Anybody use Chex Approval or a similar service?

[neveragain2014]

I just found this service called Chex Approval. They claim to get your chexsystem cleared. Has anybody used this or aware of a competitor? What was your experience?

 

http://www.chexapproval.com/#!process/ccjb

 

Get your negatives cleared for a fee from a site with no named personnel or testimonials ---I'm skeptical.

 

 

And would this work more certainly or faster than just writing a good will letter?

[BRBiz]

I just found this service called Chex Approval. They claim to get your chexsystem cleared. Has anybody used this or aware of a competitor? What was your experience?

 

http://www.chexapproval.com/#!process/ccjb

 

Get your negatives cleared for a fee from a site with no named personnel or testimonials ---I'm skeptical.

 

 

And would this work more certainly or faster than just writing a good will letter?

I think you already know the answer to this one!

 

Items in Chex are almost impossible to get removed even when paid. One of the few options is a pay to delete but not many places are willing to do that.

[tmcgill]

No one can guarantee removal. The scam red flag is the first line of the first paragraph on their site.

'The process transpires immediately after a successful payment.'

 

A best practice is to review your Chexsystems, EWS and Telecheck reports for any errors.

If there is nothing viable to dispute, try negotiating PFD (pay for delete) with the reporting bank or credit union.

 

Or, locate a non-Chexsystems banking solutions in your area. We recommend options based on your location here on Cboards.

Edited August 26, 2014 by tmcgill

[BRBiz]

No one can guarantee removal. The scam red flag is the first line of the first paragraph on their site.

'The process transpires immediately after a successful payment.'

 

A best practice is to review your Chexsystems, EWS and Telecheck reports for any errors.

If there is nothing viable to dispute, try negotiating PFD (pay for delete) with the reporting bank or credit union.

 

Or, locate a non-Chexsystems banking solutions in your area. We recommend options based on your location here on Cboards.

I think we have a candidate for a new Chex forum lead here..👆

[tmcgill]

Thanks, BRBiz, I think you and I could tag team it!

[BRBiz]

Thanks, BRBiz, I think you and I could tag team it!

I will admit I'm better at business credit then anything else. Your on top of things over here. I'm good for a assist every now and then! Edited August 26, 2014 by BRBiz

[tmcgill]

Yep, you've given some helpful info I've used on the biz forum.

I think collective minds are good . . . that's where the solutions come from.

[BRBiz]

Yep, you've given some helpful info I've used on the biz forum.

I think collective minds are good . . . that's where the solutions come from.

Collective minds are good thing... Also having a leader is key.. Some of the forums don't get a lot of attention so it's nice to have some one who is there frequently to take a lead to do things.

[Twanswife916]

I saw this ad too even called to get more info. Somehow they are able to pull you chexsystem report but for $286 I can just keep that and do what i did which was send chexsystems my Bk discharge papers for them to clear my report (btw should have an update this week)

[tmcgill]

As we mentioned above, this site is a scam. Better to go through the legal dispute process yourself, or find a non-Chexsystems bank or credit union.

 

Several others have mentioned the workaround of getting the Serve American Express prepaid, plus a brokerage account and/or local credit union savings. Between those options, you have direct deposit, a debit card, checks and deposit/wire transfer services if you need them.

 

Note: It is illegal for a business to ask for money upfront to "repair" a consumer reporting agency file.

 

http://www.ftc.gov/enforcement/statutes/credit-repair-organizations-act

Edited September 2, 2014 by tmcgill

[GetWisdom]

 

No one can guarantee removal. The scam red flag is the first line of the first paragraph on their site.

'The process transpires immediately after a successful payment.'

 

A best practice is to review your Chexsystems, EWS and Telecheck reports for any errors.

If there is nothing viable to dispute, try negotiating PFD (pay for delete) with the reporting bank or credit union.

 

Or, locate a non-Chexsystems banking solutions in your area. We recommend options based on your location here on Cboards.

I think we have a candidate for a new Chex forum lead here..👆

 

You mean...tmcgill isn't already the Chex forum lead?

 

Seriously, both of you offer tremendous amounts of great advice in this forum

[tmcgill]

Thanks GetWisdom. I owe a lot to MCA. I was a moderator on the former Chexvictims.com site, before the site owner shut us down and she had to scramble and create Chexvictims.net.

 

I know a lot, but more importantly I am always open to learning from others. The banking arena changes constantly and no one individual has a monopoly on information. Collectively, we learn from one another.

 

I was in a dark place financially, but MCA helped me turn things around and I try to pay that forward.

 

Haven't heard from her in awhile, so I hope all is well.

 

. . . and yes, BRBiz has great info and insight.

Edited September 4, 2014 by tmcgill

[BRBiz]

Thanks guys.. Most of my experience with Chex is from helping my brother in law more recently and years and years ago my own issues with Chex. Sharing is key especially when trying to find Chex friendly banks so it is a team effort here.

 

But I would like to see TMC lead this forum, he/she knows a lot about this subject and now I know he/she also has the experience. So my vote goes to TMC! Even if its unofficial! Having a few more leads or even Mod's wouldn't hurt especially lately with the unusually high amount of drama.

[GetWisdom]

Thanks GetWisdom. I owe a lot to MCA. I was a moderator on the former Chexvictims.com site, before the site owner shut us down and she had to scramble and create Chexvictims.net.

 

I know a lot, but more importantly I am always open to learning from others. The banking arena changes constantly and no one individual has a monopoly on information. Collectively, we learn from one another.

 

I was in a dark place financially, but MCA helped me turn things around and I try to pay that forward.

 

Haven't heard from her in awhile, so I hope all is well.

 

. . . and yes, BRBiz has great info and insight.

 

Very cool. I was on both of those sites too, and as stated in another thread, I owe a lot to MCA as well :-)

 

Keep doing what you're doing, guys