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cv91915 has set up a Go Fund Me page to take donations that will be used for flowers for breeze's memorial, and excess will be donated to a cancer charity in breeze's name.  If you'd like to participate, please go here:  https://www.gofundme.com/breeze-memorial .  If you have any questions about donating or the GFM, please reach out to cv91915.  
Sunday, unexpectedly, we lost one of our own.  After a sudden diagnosis of liver cancer just two days before, our very own mama Breeze lost her battle with this disease and passed away on Sunday afternoon.   She passed peacefully surrounded by her family.
We know that many of you will be as devastated as we are to learn of this, and we know that you will share in our grief.  We will be in the Feedback forum with you, sharing our memories and our tears.  We encourage you to join us there.
We started on this journey fifteen years ago - breeze, Pam, LKH, and radi8.  Through everything that has transpired over the past fifteen years, we have always remained family - and Mama breeze was an integral part of that family.  We will be posting additional information here, as much as we can while still respecting her desire for privacy and anonymity.  For now, while we process our grief, we will close this notice with Godspeed, Mama.  We miss you so much already.


- Pam, LKH, radi8, Marv

- the mods and forum leads

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A Note About Chexsystems Reporting

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When you dispute reports on Experian, Equifax or Transunion, there are a lot of variables and reporting fields that may have errors.


Chexsystems reporting is more cut and dried. When you review a report, look for incorrect amounts owed, dates, account numbers and identifying information. Also, if you were incorrectly reported for "fraud", dispute and send a 623 letter to the financial institution. **Although they remove negatives after 5 years, FCRA reporting guidelines still apply regarding the DOFD.


Getting removals is more challenging, but should always start with a goodwill negotiation with a manager or executive of the reporting bank. If efforts are not successful, maintain non-Chex primary and backup accounts.


**If you pay amounts owed on your report, the entry should update to a paid status. Some banks or credit unions will approve with paid accounts.

Edited by tmcgill

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Yes, I haven't received a high volume of complaints about ID theft compliance. The majority of issues I get emails about are amounts owed and "fraud" entries.

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