The following is a sample letter requesting ChexSystems to validate and remove a listing from their database.

How to remove inquiries from chexsystems. I found this forum and wrote a goodwill letter to BofA so they agreed to delete me. You may order a free copy of your ChexSystems report yearly or at any time you are denied the ability to open a bank account. Send these files to the address listed above or fax them to 602-659-2197.

Open a Dispute with ChexSystems. The success rate for this one is low if your information is correctly reported to ChexSystems. If you have a negative item on your ChexSystems report it is possible to get it removed.

Our letters have been written by professionals with specific wording based on the Fair Credit Reporting Act that virtually guarantees you will be removed from ChexSystems according to federal law. Once youve paid off your balance you can request that the bank or collection agency remove the record from your ChexSystems report. So even if you pay off an outstanding debt the status of listing can change but it wont be removed from your record until five years have passed.

Your first step is to make it obvious to ChexSystems and the bank what you are disputing on your report. Its also available by phone fax or via mail request form. You can request a copy of your personal ChexSystems report online.

If the negative item is invalid incomplete or incorrect you can dispute the item with ChexSystems to have it removed. Our kit goes over each step you must take in the specific order you must take them to be removed. Give them the option to delete all records of the debt and remove you from ChexSystems in order for you to drop the suit.

I did the same thing this year. I still have those inquiries on Chexsystems prior to BofA removing my name and the bank can see all these inquiries. ChexSystems isnt required to delete accurately reported information but every bank is responsible for updating the payment status on a delinquent account thats been settled.