Science Nerd

I've read the samples, but they all list the 3 major crediting agencies. I don't have anything under those reports, and I was wondering if there were any letters that solely addressed deletion from Chexsystems? Thanks!

My report came back verified with bank statements. I asked them for a procedural request and something with my signature on it. Their letter back told me that they contacted my bank and that the bank verified, and asked me to go through the bank. They didn't send me anything with my signature on it; can I get it removed based on this, or do I still need to go through the bank?

I sent them most of the info already. I'm just worried they can just send me back what I sent them and tell me it was verified. But maybe that's not how it works.

I sent in my dispute, and I got a letter back asking to please fill out my license number, full name, social security, and address so that they could complete the investigation. Is this mandatory to fill out before they'll look into it any further?

When they send you the letter asking you for additional info to help with the investigation, are you required to send it back?

It's been a week since Click2Mail sent out the letter, and no response from them yet.

I used Click2Mail to send in a dispute letter today. It should be sent on Saturday. I guess all that's left now to do is wait.

Thank you, the bank is Charter One. I'm not sure they'll be willing to work with me. I explained the situation when the account first got over drafted, but I suspect telling them about it motivated them to charge it off more quickly. I've read some about the dispute method, and I'll try that.

Hello. Last year, I over drafted my bank account and got into chex systems. I owe them around $700. It wasn't overdrawn by much, but I lost my job around that time and ended up racking up overdraft fees. I've been trying to save up the money to pay it off, but without a steady job I haven't gotten far. I was thinking about writing them a letter and explaining the situation, and asking them to remove it from chex systems. I'd just turned eighteen a month before the overdraft, and I was hoping they'd be more likely to forgive it since my budget skills were obviously rather poor around that time. Is this a good idea? Barring that, my plan is to keep saving and send them a pay-to-delete later. What's the success rate of those? Oh, I should add that it says I've been reported for "Account Abuse." Thank you for any help and advice you can give me.