Jump to content

Sign in to follow this  
nickolerose

Can items listed on chexsystems be disputed?

Recommended Posts

Hi, I have received my Chex systems report. I had an unfortunate issue with SUNTRUST bank. While Disputing fees that they placed on my account, they sent me to collections. I made arrangements and paid in FULL the balance owed thinking it would be removed from my report without knowing any better.

​ It is still there showing as PAID IN FULL, will this affect me going further?

 

​Also, I am showing an account from BBT which I was only the co-signer never used the account and was not aware it was closed or had a balance.

Is their a way to dispute this item also? or am I just stuck paying the balance to have it showing as PAID.

 

​I currently do not have any bank accounts I am on SS and receive my funds via prepaid card. When I began to have concerns and issues with SUNTRUST I had my DD switched.

 

​Any information would be most valuable as I am trying to make sure that all of my reports are clear across the board.

 

​Thanks :wave:

Share this post


Link to post
Share on other sites

Are you trying to open an account or you simply want your reports clear?

 

As far as you Suntrust entry goes, it will stay there for five years but a reviewing bank should be able to open an account for since you paid the CO. Most bank will open an account for you if an entry in the Chex has already passed the

 

36 months mark.

 

BBT is also your obligation even though you were ony a co-signer. Co-signing means, you will be responsible, had the other party defaulted. You can talk to the BBT or file a dispute but I am not sure it it will get you anywhere.

 

You should also know that these accounts might have also been reported to EWS.

 

Word of caution: Always have a non-chex, non-EWS bank account for backup.

Share this post


Link to post
Share on other sites

As Fred030 posted, items remain on Chexsystems for five (5) years. It is hard to get removals unless there is an error or other issue you can dispute. Let us know if you need help getting an account in your area.

Edited by tmcgill

Share this post


Link to post
Share on other sites

Are you a military or ex service member?

 

What area are you looking to open an account in?

Edited by Fred030

Share this post


Link to post
Share on other sites

Is your EQ clean?

 

You can join Penfed and get couple products that you are looking for with same one HP pull.

 

You can join it even if you are not military.

Edited by Fred030

Share this post


Link to post
Share on other sites

Thank you for this information I'm working on clean reports I'm fixing to start whychat to dispute some medical, I will keep all options open thank you very much for taking the time to help, also my father is military so that shouldn't be a problem.

 

Sent from my SM-G900P using Tapatalk

Share this post


Link to post
Share on other sites

Join the conversation

You can post now and register later. If you have an account, sign in now to post with your account.
Note: Your post will require moderator approval before it will be visible.

Guest
Reply to this topic...

×   Pasted as rich text.   Paste as plain text instead

  Only 75 emoji are allowed.

×   Your link has been automatically embedded.   Display as a link instead

×   Your previous content has been restored.   Clear editor

×   You cannot paste images directly. Upload or insert images from URL.

Sign in to follow this  




  • Today's Birthdays

  • Member Statistics

    • Total Members
      177,756
    • Most Online
      1,528

    Newest Member
    trulife2019
    Joined

About Us

Since 2003, creditboards.com has helped thousands of people repair their credit, force abusive collection agents to follow the law, ensure proper reporting by credit reporting agencies, and provided financial education to help avoid the pitfalls that can lead to negative tradelines.
×
×
  • Create New...

Important Information

Guidelines