Hi,

I have 3 accounts reporting to Chex, and was going to dispute them all. Is it advisable to dispute them in the same letter, or send 3 different letters?

Also, 2 of the accounts have no debt reported. "Chexsystems has no debt information available. May we suggest that you contact the source of the information to determine whether or not a debt is owed."

Does that make the process any easier?

The last account, a BoA account is listing a "chargeoff" amount.

Any angles here?

Also, do I use their form, or is it best to send the letters from mca's website. (I will alter them a bit.)

Any help is appreciated.

I would dispute them seperately and never use the form that they provide, send in your own letters. Stating that "no debt info is available" is not acceptable .. that it no accurate for reporting and it should state none is owed or the amount owed.

Is Bank Of America showing " fraud" ? If not, just dispute as account not yours.

The BoA account is actually showing as "Account Abuse"

Could you explain the rationale behind disputing the account as not mine? Does it have something to do with it being charged off?

LTD owns it on my credit reports.

You are a godsend when it comes to chex. I've learned so much from this forum and your other site.

Thanks!

Also,

Do i dispute one, wait for it to come back, then another, and another, or can i send three different dispute letters all in the same day?

What's best?

Thanks!

If it shows account abuse then I would dispute based on that, but yes you can dispute as not yours just in hopes that they can not verify it in the time allowed. I suggest that only if the report does not indicate anything else that can be disputed. I would send all 3 disputes in at the same time www.chexsystemsdisputes.com