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SandwichFace

DV Sample Letter for ChexSystems and Non-ChexSystems banks in Washington?

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I'm looking for a sample letter to dispute negative info on my ChexSystems report. The other option is to just find a bank in Washington that doesn't use ChexSystems. I'm near 98052. Thanks!

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First:

 

1. What is incorrect in the Chex report?

2. When was the account reported?

3. Are you listed in EWS?

 

Any experience with these?

 

Banks:

1. US Bank - usbank.com
2. Bank of the West - bankofthewest.com

**Chex must indicate no fraud, and be older than one year.

3. Banner Bank - bannerbank.com

**Chex must be paid, no fraud indication and over a year old.

 

Credit Unions:

**Must live or work in WA state, or join one of their supporting organizations.

Most have shared branching; you may have to go to main office to open, but can use local credit unions in their network.

3. OBee - obee.com - ID Check only

4. Express Credit Union - Expresscu.org - Second Chance Banking

5. America's Credit Union - youracu.org - Credit Report

 

Always make a quick call before applying to confirm what they use. Banks and credit unions may have changed or modified their approval process - before we've had a chance to update our list.

Edited by tmcgill

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1. Not sure if anything's incorrect. It just says $400 account abuse. I don't know what it's from. I'm sure over the life of the account I had many overdrafts, etc but I believe I've paid them all. I don't really even know what account abuse means.

2. 3 years ago.

3. I'm not sure what EWS is so I don't know.

 

1. It was with US bank so that's probably not going to work.

2. Maybe this will work?

3. It's not paid so this won't work.

 

What list are you referring to? Is there a list I can see of banks that don't use ChexSystems?

Edited by SandwichFace

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1. Not sure if anything's incorrect. It just says $400 account abuse. I don't know what it's from. I'm sure over the life of the account I had many overdrafts, etc but I believe I've paid them all. I don't really even know what account abuse means.

**It is hard to get negatives removed from Chexsystems if they are correct. Those entries are more basic and straightforward than a regular Experian, Transunion or Equifax dispute. Account abuse usually means the account was closed for NSFs or overdraft activity.

 

2. 3 years ago.

The entry will remain on the report for 2 more years. The reporting date is important because it determines the 5 year reporting period. Is the reporting date correct?

3. I'm not sure what EWS is so I don't know.

Early Warning Services. Another CRA that reports on banking activity. It is harder to get an account if you have negatives reported there.

 

1. It was with US bank so that's probably not going to work.

2. Maybe this will work?

3. It's not paid so this won't work.

 

What list are you referring to? Is there a list I can see of banks that don't use ChexSystems?

I maintain and update a list of second chance banks and credit unions. The list of banks and credit unions I posted are for WA state. What about the credit unions listed?

Edited by tmcgill

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