More Next Blog» incitemarketing@gmail.

com Dashboard Sign Out

Beat the System

How to keep your life more private in this day and age of electronic information.

Welcome Message
Wednesday, November 19, 2008
Hello Everyone,
HOW TO GET OUT OF CHEXSYSTEMS!
It is in my humble opinion that our country (U.S.A.) HOW TO GET OUT OF CHEXSYSTEMS!
is not heading in the right direction and we need to
learn how to protect ourselves for the present and If you’re currently having trouble getting a checking account because you’ve been
the future. reported to ChexSystems, you may have more options than you think.

I will be posting articles which will help us all to Basically, a bank can arbitrarily decide to punish you if it suspects you have
keep our lives more private so that we can enjoy "misbehaved" with your checking account. It's called "Chex Systems" and once you
more of our free time with friends and family. are in this system you cannot have a checking account for five years.

I won't be just posting articles where I gripe but will If you don't balance your checkbook and you commit overdrafts, there is a reason
mostly be posting HOW-TO articles which will help behind the bank's decision. But if you make a mistake or the bank makes a
everyone to get where I am. mistake, there is no recourse.

Any feedback you have will help me to know what Say you move and close your account and a check bounces later, there should be
the readers are looking for and what they'd like to an alternative. But right now there is not. If you get put into Chex Systems, there is no appeals process.
see more of.
It's highly controversial and consumer advocates have been fighting it for years.
Cheers, Under recent revisions to the Fair Credit Reporting Act, you can now appeal to Chex
System itself. But the banks can still send you to Chex Systems prison on a whim.
Richard
Thankfully, about a dozen states around the country allow you to get out of the
program by taking a course in budgeting and handling finances. You receive a
voucher to go open a checking account once you finish the course.
Followers
Followers (6) Go to getchecking.org to see which states offer the class. But if you live in a state
that does not have this "out," appeal to Chex Systems directly.

If you are not in a state that offers Get Checking, you will have to dispute items on
Follow your own.

How to get off ChexSystems

Blog Archive Don't pay a service to send a letter to get removed from ChexSystems. Free
information. Beat ChexSystems! Survive while on ChexSystems! Get a second
► 2009 (7) chance! Open a non ChexSystems bank account now
▼ 2008 (15)
► December (3) Request a copy of your report in by writing directly to ChexSystems at the
▼ November (12) following address:
Highway Radar Jamming
50 Ways To Take Control of Your Personal Data ChexSystems Customer Service
Spam Fighters Handbook 12005 Ford Road, Suite 600
RFID's - What You Need to Know Dallas, TX 75234-7253
Stop Telemarketing Calls Fax: (972) 241-4772
Identity Theft Local (972) 280-8585
How to Keep Your Life Private ChexSystems toll free phone number
SPEED TRAPS! (800) 428-9623 or (800) 513-7125
Free Annual Credit Report
The Secret To Removing A Chapter 7 Bankruptcy Perm...
Visit chexhelp.com and order a copy of your ChexSystems report. This will allow
HOW TO GET OUT OF CHEXSYSTEMS!
you to find out what caused you to be placed on their system. This will also give
How to Drop Off the Grid
you a Consumer ID number. If the information on the report is not a true
representation of the facts use the following information to resolve a dispute

Letter 1: Ask them to verify the information

Inform ChexSystems that you have reviewed your report and are unaware of this
negative listing occurring (if you dispute it). Ask them to validate the information
from the bank, and send copies of any documentation they have regarding this
listing that bear your signature, at the same time ask to have the information
deleted from the file under your social security number. (This could be your only
letter.) This maybe enough to have them remove your name from the system.

Keep a copy of the letter for your files and send the original letter Certified Mail
return receipt requested. This will become a legal document. You will want proof
when it was sent out because ChexSystems is required to contact you in 30 days
or delete the listing.

Letter 2: If your dispute was verified yet inaccurate

Inform ChexSystems that you wish to have a description of the procedure used to
determine that the information they sent you was valid. Looking at a computer
screen does not make it valid. Also, request a listing of the names, addresses and
telephone numbers of the people they contacted at the listing bank. There may be
identity fraud involved. Contact the bank and verify the legitimacy of the listing.

I was informed that mentioning to any credit bureau, that you are aware of
Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14, 1995) may help.

You will want to request that they respond to your letter in 30 days (may vary by
state). State in your letter, if you are not contacted in 30 days you will contact the

FTC and your state Attorney General's office. This may get some results.
If your letter has been responded to in 30 days and was verified accurate

If you legitimately owe the money, pay it. Some banks will accept people for
checking accounts once the debt has been resolved. If the debt is resolved and
you still can't get a checking account, you may try a small claims action for the
costs of cashing checks and buying money orders. No promises! Ask an attorney or
legal aid society in your state about the specifics in your case before you do!
If your letter has not been responded to within 30 days
Checkout the FTC website for specific information on non complying credit
bureaus. Federal Trade Commission Home

Once ChexSystems has removed the negative listing (s)

As soon as you receive a notice from chexsystems that your account has been
cleared open several checking accounts. It is possible that chexsystems will allow
the disputed claim to creep back on to your report. You will want to have an
account opened by then. Some banks check chexsystems within the first 30 days
of an account being opened. You would not want to take the chance of your
account being closed

If the date of the listing from a credit agency is incorrect

The FTC website just won a Civil Penalty against a collection agency for violation of
the FCRA. Include a copy of this article in your letter to the agency. NCO Group to
Pay Largest FCRA Civil Penalty to Date.
NON CHEXSYSTEMS BANKS
FSNB
www.fsnb.com
(800) 749-4583 ask for new accounts

FSNB is now open to anyone regardless of your location. Take advantage of this
while you can. It may not last.

They DO have online banking/access, however you have to call them and ask for
new accounts. Tell them that you wish to open a checking account. They will send
an application to you.

You will probably get an ATM debit card at first, good at any ATM for cash
withdrawal. After 4 months, you will be eligible for the Visa debit card.

**If you set up DIRECT DEPOSIT, after your second deposit hits, call them up and
ask them to send you a VISA debit card.

Also if you have direct deposit with them, you can get an advance for a $14 fee. It’s
called a temporary overdraft.

*No credit checks

*No applications

They give you an advance, up the lowest of your last 2 deposits for a $14 fee.
USAA FEDERAL SAVINGS BANK
www.usaa.com

USAA uses Tele check not Chex Systems.

Anyone can get an account with USAA. This is an internet bank. You do not have to
be in the military to get an account with USAA. Simply call them and tell them you
need a membership number to get a checking account. If you can give them the
initial deposit of $50 over the phone using a credit card, they will have your account up and running in 2
days. Some have been known to get their checks and Visa
debit cards in under a week!

They also send you postage paid envelopes for deposits. There are cash back
rebates made on all purchases made as a credit card purchase.

SAMPLE CHEXSYSTEMS DISPUTE OF ANY NON-ACCURATE ITEM

Note: Be sure to enclose photocopies of any and all evidence that can help support your dispute.
DO NOT send any original documents, photocopies only.
Your full name
Your address
City, State Zip Code
Date
Your social security number
ChexSystems

Customer Relations
12005 Ford Road Suite 600
Dallas, TX 75234
Dear ChexSystems:

I have received a copy of my ChexSystems report, and I am writing to notify you that the following
information is incorrect:

Bank Name
Date
[Indicate: wrong amount, wrong date, this is not your credit line, you do not have a credit listing with this
bank, this account was paid off, the dates are wrong, or other reasons you would like this listing verified.]

[Itemize: each correction using the same format]

Based on this, please delete this information and send written confirmation that you have done so to the
address above.

Thank you for your assistance.

Sincerely,

Your full name signed here

Your printed full name here

SAMPLE CHEXSYSTEMS DISPUTE FOR 30-DAY TIME EXPIRED

Note: Be sure to enclose photocopies of any and all evidence that can help support your dispute, such as
the registered letter confirmation receipt from your first letter. DO I\JOT send any original documents,
photocopies only.

Your full name

Your address
City, State Zip Code
Date
Your social security number
ChexSystems
Customer Relations
12005 Ford Road Suite 600
Dallas, TX 75234
Dear ChexSystems:

In a letter dated [Insert: date of first letter], I requested that you correct the following information
in my ChexSystems report:

[List: errors indicated in first letter]

To date, I have not received confirmation that you have done so.
As 30 days have now passed, this letter is my formal demand to be removed from the ChexSystems
database. Please note that your failure to do so violates the Fair Credit Reporting Act.

Please immediately send confirmation of the deletion to the address above.

If I do not hear from you within ten business days, I am prepared to take legal action to remedy the
situation.

Thank you for your assistance.

Sincerely,

Your full name signed here

Your printed full name here

SAMPLE CHEXSYSTEMS 1S-DAY METHOD OF VERIFICATION REQUEST

Note: Be sure to enclose photocopies of any and all evidence that can help support your dispute, such as
the registered letter confirmation receipt from your first letter. DO NOT send any original documents,
photocopies only.

Your full name

Your address
City, State Zip Code

ChexSystems
Customer Relations
12005 Ford Road Suite 600
Dallas, TX 75234
Date

RE: Consumer 10 # [your consumer 10 # here]

Dear Consumer Relations Dept.:

I am writing in response to your claim that [Name of Bank] has confirmed my unpaid debt. Please note that
you have again failed to provide me a copy of the evidence submitted to you by this bank.

I request that you provide me a description of the procedure you used to determine the accuracy and
completeness of the bank's information. Please send this information to me within fifteen (15) days of the
completion of your reinvestigation. In addition, please provide the name, address, and telephone number
of each person you contacted at [Name of Bank] regarding my alleged account.

I also request a copy of any documents submitted to you by [Name of Bank] which bear my signature and
show that I have a legally binding contractual obligation to pay them.

Be aware that this is my final goodwill attempt to have this matter resolved. As it now stands, the
information you have presented to me is inaccurate and incomplete and represents a serious error in your
reporting.

It is my understanding that your continued failure to comply with federal regulations can be investigated
by the Federal Trade Commission (see 15 USC Section 41). For this reason, I am maintaining a careful
record of my communications with you should I need to file a complaint with the FTC and the state of
[your state] Attorney General's office.

If you do not respond within 10 business days, I am prepared to take legal action against your company for
causes of action including, but not limited to, defamation, fraud and violations under the Fair Credit
Reporting Act.

Sincerely,

Your Name (printed or typed, not signed)

Your social security number

SAMPLE DISPUTE TO THE
FURNISHER OF INFORMATION

Instructions: Complete and mail this form by certified letter to the bank that has reported you to
ChexSystems.

Note: Be sure to enclose photocopies of any and all evidence that can help support your dispute, such as
the registered letter confirmation receipt from Form 1. DO NOT send any original documents, photocopies
only.

Your full name

Your address
City, State Zip Code
Name and Address of original bank
Date

RE: Acct # [insert your account number here]

To Whom It May Concern:

I am writing regarding the unpaid debt on account # [insert your account number here], which I dispute.

According to the Fair Debt Collection Practices Act, I am requesting "validation," or competent evidence
that bears my signature and shows I have some contractual obligation to pay you. Please be aware that any
negative mark on my credit report (which includes ChexSystems credit report) for a debt I don't owe is in
violation of the Fair Credit Reporting Act (FCRA).

Therefore, if you cannot validate the debt, you must request that all credit reporting agencies delete the
entry. In addition, until I have received and reviewed any evidence you provide me, I ask that you take no
action that might damage my credit reports.

If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory
marks from my credit reports per the FCRA and send me confirmation that you have done so.

Please note that if you fail to respond within 30 days of receipt of this certified letter, I am prepared to
take legal action against your company for causes of action including, but not limited to, defamation,
fraud and violations under the Fair Credit Reporting Act.

By sending this letter, I am disputing both the validity of the alleged debt and the validity of your claims.
This is my attempt to correct your records. Please be aware that any information I receive from you will be
collected as evidence should any further action be necessary.

Best regards,

Your full name signed here

Your printed full name here

Posted by 1771richard at 1:35 PM
Labels: Banking, Checking Account, ChexSystems

17 comments:

Irene_J said...

ChexSystems takes at least 3 years even if you pay your balance unless you will write to
them. However the quickest way to open a checking account is to open a SECURED credit
card. This means you go to a bank that offers a secure credit card.

December 26, 2012 at 12:40 AM

Thomas Vargo said...

This comment has been removed by the author.
February 5, 2014 at 9:19 AM

Thomas Vargo said...

Some people get unfairly victimized by the chexsystems for accounts that have been
closed because of a bank fee, etc. But, don't worry too much because here is a list of
banks http://www.badcreditmd.com/second-chance-checking-account/ that accepts
chexsystems people, It has at least ten banks across the country listed. Some even offer a
Visa check card and checks!

February 5, 2014 at 9:20 AM

Bad Credit said...

There are now many banks and credit unions located nationwide that are offering both
"Fresh Start" and Second Chance Checking Accounts. On particular website called
"InfoAviator" at http://infoaviator.org/finance/checking-accounts/2014/05/28/how-to-
open-a-second-chance-checking/ has a complete recent list of these banks and credit
unions offering checking programs that helps Chexsystems victims.

September 15, 2014 at 3:50 PM

Don Ivie said...

Good article but one scenario was missed. I abandoned an account I thought had a zero
balance. Unfortunately now, 2 years later, I find out the account was somehow overdrawn
by $37 and since I left it open it sat and accumulated fees totaling over $400!! The bank
gave me a number to call to negotiate the fees and they said they would reduce the total
down to $265. That is still a penalty of over 700% and THAT is what I want to dispute.
How???

November 7, 2016 at 3:09 PM

Glenn Thompson said...

I overdrawn an account September 2011. I tried to open an account in October this year
and the account is still on Checksyste. Not sure what to do now as it has been 5 years.

November 16, 2016 at 4:07 PM

Riena Johnson said...

Contact chexsystems and dispute for it to be removed

December 1, 2016 at 8:07 PM

Riena Johnson said...

Was it a collection agenc. Was it put on your credit?

December 1, 2016 at 8:09 PM

Maya Fields said...

Do you need a professional and affordable ethical hacker probably for hacking into email
accounts (Gmail, Yahoo, Hotmail or any domain), blogs, database hack, keylogging, chex
system, professional hacking into Institutional servers, firewall breaches, change of
University grades, Credit score upgrade, Admin (staff) account hack -Access/Password
(Facebook, Instagram, BBM, Skype, Snapchat, Twitter, Word Press, iCloud accounts etc.),
Tap into your spouse's phone to monitor calls and text message interception; then you
should contact Nickbrowning67@gmail.com ; this is for those who actually require the
services of a good ethical hacker, I can definitely attest to how good and efficient he is, I
do appreciate what he has done for me and I will always be grateful for turning my life
around for good. I recommend anybody going through had time and need hacking service
should contact him. I hope this helps someone.

January 2, 2017 at 4:34 PM

mellisa morgan said...

Hi Everyone...i know this isn't part of the discussion but i just want to seize this
opportunity to tell you all about a professional hacker i just met. I just knew my instinct
wont lead me wrong when i decided to try spystealth.org AT gmail DOT com out. I was
scared at first because he told me i had to pay a down payment before he could begin the
hack. That made a part of me scared i could be scammed and a big part of me kept saying
i should go ahead with it. So i followed my mind and went on with it. I sent him a mail
telling him i needed his help hacking into my husband’s instagram account and he assured
me a clean job with no traces and that was exactly how it came out. He is so discrete and
i like the fact that he is fast and reliable. There’s nothing wrong in trying, so contact him
at spystealth.org AT gmail DOT com and i promise you won’t regret working with him.

August 23, 2017 at 8:21 AM

jwhite said...

i was introduced FREEDOM_HACKING@HOTMAILDOTCOM when i needed a mortgage loan

and got declined several times due to late payments on my report history which led to my
poor score...After contacting them i was lucky to be raised to a golden score of 750+ and
Repo of Capital One was removed.They are a group of reliable hackers who work with
discretion and delivers promptly,
they do all kinds of hackings ranging from;
-Sales of Blank ATM cards.
-hack into email accounts and trace email location
-all social media accounts,
-school database to clear or change grades,
-Retrieval of lost file/documents
****iTune card code hack
-DUIs
-company records and systems,
-Bank accounts,Paypal accounts
-Credit cards hack
-Credit score hack
-Monitor any phone and email address
-hack IP address
+ Tap into anybody's call and monitor their conversation
**NOTE**
They can also teach you how to do the following with there E-Book and online tutorials
* Is your partner cheating on you? they can teach you how to
- TAP INTO THEIR CALL AND MONITOR THEIR CONVERSATION
* Email and Text message interception,
* Hack and use Credit Card to shop online,
* Monitor any phone and email address,
* Hack Android and iPhone on your own, with immediate response and referal discount
benefit

August 30, 2017 at 7:03 PM

RISK TAKER said...

THE GUY AT SPYSTEALTH.ORG THAT MILLISA MORGAN RECOMMENDED IS A CON ARTIST AND
SHE IS ALSO FICTITIOUS. I BEG YOU GUYS DO NOT FALL FOR THE SALES PITCH OF ANY OF
THESE SO CALL HACKERS ON THIS BLOG. THEY ARE ALL FICTITIOUS. I JUST LOST $358. HE
TOLD ME TO SEND THE MONEY WALMART TO WALMART OR WESTERN UNION AND AFTER I
DID HE TOLD ME COULDN'T BREAK INTO THE CREDIT BUREAU DATA BASE AND THAT HE
WOULD HAVE TO REFER ME TO HIS COLLEAGUE AND PAY HIM A LITTLE MORE. HE TOLD ME
THE PROCESS WOULD TAKE 72 HOURS. IT WAS AFTER THE PASSING OF THE 72 HOURS HE
BEGAN TO PITCH ME WITH A NEW STORY. IT IS NOW TWO WEEKS AND I'VE NEVER HEARD
BACK FROM HIM AGAIN. DON'T BELIEVE THESE HACKERS NOTHING COMES EASY IN LIFE

September 7, 2017 at 3:12 PM

mellisa morgan said...

Hi Everyone...I'd like to seize this opportunity to tell you all about a professional hacker i
just met. I just knew my instinct wont lead me wrong when i decided to try spystealth.org
AT gmail DOT com out. I was scared at first because he told me i had to make a down
payment before he could begin the hack. That made a part of me scared i could be
scammed and a big part of me kept saying i should go ahead with it. So i followed my
mind and went on with it. I sent him a mail telling him i needed his help hacking into my
husband’s instagram account and he assured me a clean job with no traces and that was
exactly how it came out. He is so discrete and i like the fact that he is fast and reliable.
There’s nothing wrong in trying, so contact him at spystealth.org AT gmail DOT com and i
promise you won’t regret working with him.

September 26, 2017 at 9:22 PM

Graff Tomi said...

I applied for a house and a car loan about a couple of months ago and it was rejected
because my score was in a low 412 with a couple of negative items (including eviction,
bankruptcy and a judgment), I was really devastated and perplexed. I ran into an old
friend, I explained everything to him and he eventually introduced me to a hacker who
happens to be a former FICO agent. Just in 5 days, he had my credit score raised to 788,
wiping out the entire negative items with the addition of some good trade lines. I swore
to reveal the hacker’s proficiency to the world if he should fix my credit. Well here I am
recommending INGRAMSCREDIT@WORKMAIL.COM; (347-480-9812) for your credit report,
chexsystem report and DUI cleaning, he is really a specialist. Just email him or text him
on the above contact and be happy you did.

November 27, 2017 at 6:25 PM

Angie Mac said...

My recent experience made me understand that the credit score doesn’t matter nearly as
much as the actual information in your credit report. When I was applying for loans for my
most recent investment property (my third property including my home), my score was in
the mid-600’s. I had four late payments, which hurt me, but the lenders actually looked at
my report and refused me a loan..I explained this to my hacker buddy who I met recently
 and he helped clean my report and took out all of the negatives and late payment..I
simply can't thank him enough..Contact him today and tomorrow you will be glad you
did..His work email is ((thecybergeek@mail.ru)) and you can also get to him via his work
cell (615) 988-5703

November 28, 2017 at 3:45 AM

mellisa morgan said...

Hi Everyone...I just want to seize this opportunity to tell you all about a professional
hacker i just met. I just knew my instinct wont lead me wrong when i decided to try
spystealth.org AT gmail DOT com out. I was scared at first because he told me i had to
make a down payment before he could begin the hack. That made a part of me scared i
could be scammed and a big part of me kept saying i should go ahead with it. So i
followed my mind and went on with it. I sent him a mail telling him i needed his help
hacking into my husband’s instagram account and he assured me a clean job with no
traces and that was exactly how it came out. He is so discrete and i like the fact that he is
fast and reliable. There’s nothing wrong in trying, so contact him at spystealth.org AT
gmail DOT com and i promise you won’t regret working with him.

December 2, 2017 at 5:57 AM

Alex Jeff said...

hi everyone, i've seen a lot of people complain about their credit and chexsystems issues
for long now and i think it's high time i tell the secret of how i got my credit score
increased in so little time. It was with the help of a hacker. Telling you my experience can
never be as good as you experiencing it yourself. Here's his email address;
((thecybergeek@mail.ru))Contact him to fix your credit. You'll be back to thank me.

December 5, 2017 at 2:22 PM

Post a Comment

Newer Post Home Older Post

Subscribe to: Post Comments (Atom)