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deleting paid account


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6 replies to this topic

#1 hawaiigirl

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Posted 08 November 2016 - 06:40 PM

Am I understanding correctly that if an account is listed on Chex with NSF or account abuse and also as paid in full that the account gets deleted with a simple dispute? Not like credit collections that have been paid and stay for 7 years? That would be great, since I just was denied an account with 2 such accounts listed...that I didn't even know about!


Edited by hawaiigirl, 08 November 2016 - 06:42 PM.

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#2 tmcgill

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Posted 09 November 2016 - 07:32 AM

Getting a paid account deleted is very difficult, unless there is an error in the information on the report.

Without an error - or legal leverage, it will remain on the report for 5 years.

Many banks and credit unions will approve an account, if it shows paid in full.

 

Let us know if you need possible bank or credit union options in your area.


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#3 KKP

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Posted 02 March 2017 - 05:12 AM

I am also in the process with BOA to attempt to get a paid account deleted or at least the stairs changed. They have it listed as possible fraud. I was told by a BOA rep in the debt recovery dept to hand write a letter with proof of paid status. Should I try?
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#4 tmcgill

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Posted 02 March 2017 - 12:01 PM

Yes, you should try. A paid status on Chexsystems makes a difference with many banks and credit unions.


Edited by tmcgill, 02 March 2017 - 12:01 PM.

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#5 KKP

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Posted 06 March 2017 - 08:25 AM

Ok. Is there a sample letter that I should use?

Yes, you should try. A paid status on Chexsystems makes a difference with many banks and credit unions.


Is there a sample letter I should try?
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#6 tmcgill

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Posted 07 March 2017 - 08:58 AM

If the account was paid, BOA should have updated the entry to a paid status. If that did not happen, trying disputing the account with Chexsystems as inaccurate information.


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#7 KKP

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Posted 07 March 2017 - 09:51 AM

If the account was paid, BOA should have updated the entry to a paid status. If that did not happen, trying disputing the account with Chexsystems as inaccurate information.


Thank you. I will dispute it.
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