|

HOME
WHAT IS CHEXSYSTEMS
WHO IS CHEXSYSTEMS
WHAT DO THEY COLLECT
HOW DOES IT
WORK
HOW IT
AFFECTS YOU
ORDER YOUR
REPORT
FILE A BANK
COMPLAINT
SAMPLE
LETTERS
YOUR BEST OPTIONS
ACCOUNT
OPTIONS
BANK
ALTERNATIVES
NON
CHEXSYSTEM
BANKS
ABOUT US
The Report
was Wrong!

I had another checking account, but it just really bothered me when I
tried to open one at this particular bank that was offering free checking.
They said I owed
money to some bank I never heard of.
They wouldn't show me
the report or tell me anything else other than the company they got the report
from was called Check System.
So I went online to
find out some more information about them.
Then I found this website and order their How
to Beat ChexSystems guide.
I learned how to get a
copy of my report, and then I used the sample letters to send in a dispute to
ChexSystems
It actually took me
having to send a second letter, but they removed all of the incorrect
information, and sent me a copy of the updated report which showed that
everything was gone.
I went back to that
bank, with the report and opened the account I wanted.
Peter Oberman,
Carson City, NV
|
|
 
Were you denied a bank account?
Are you looking for options to open a new account?
Non Chexsystems Banks
Second Chance Checking Accounts
Personal Money Accounts
Chexsystems Removal Guide
You've come to the right place! For over 4
years
Chexsystems
Solutions
has helped People
Open New Bank Accounts!
What is ChexSystems?
Cheryl
wrote a few bad checks her first year in college when she was 19. After
some time she paid all the bank overdraft fees, and paid off the people who
received those
bounced checks. Her parents who were helping her insisted that she close the
bank
account . Three years later... she was about to graduated... a little more older, and a little more
mature. She tried to open a new checking account. Every bank she applied
to rejected her
because she had a negative record on file with ChexSystems.
This is a true story!
Your personal story may be different... but this basic situation is very
common and has happened to thousands of people... including members of our
staff.
What happen to
Cheryl, and to you, was when you applied to open a checking account, the bank or credit union
ran your name to make an inquiry
through a database that will tell them if you have had: frequent account overdrafts... bounce checks... did something banks consider as an "act of fraud" or otherwise have an unpaid balance at another bank on a closed account.
This database is maintain by a
company called ChexSystems. They are kind of like the credit bureau to the
banking industry. Financial institutions report to them the names of individuals
who they feel have mishandle a checking and/or savings account.
If your name winds up in the ChexSystems database, you could find it extremely
difficult to open a bank account.
The record stays in their file for five years and can doom your chance of
getting a checking account during that period.
Financial institutions lose billions of dollars every year because of check
abuse, and outright fraud. This is why 80% of U.S. banks and credit unions
belong to the ChexSystems network.
Most people never heard of them until that moment they try to open a checking
account and are turned down.
ChexSystems only maintains the database. The decision of whether or not to deny
someone from opening a bank account is strictly up to the individual bank and
their policies.
For some time now... many
critics complain that banks use ChexSystems as an excuse to indiscriminately
weed out, not only checking account applicants who may have committed fraud, but
also law-abiding people who wrote a bad check or two by mistake. Or someone who
was irresponsible with their account at one time, but have since learned their
lesson and don't deserve to be punish for five years.
How Do I Open A New Account?
If you have been denied from opening a bank account, we know that it can create a number of major inconveniences in your life. However... assistance is available to you! Most all of your options fall into one of three basic categories:
CHEXSYSTEMS REMOVAL Obviously the best scenario is if your name and record were completely deleted from their database. Depending on individual situations, for some people this may not be as difficult as you may think. Of course the person who did something like passing multiple checks on a closed account is going to have a much more difficult time than someone who may have only had an oversight or two that resulted in a overdraft and they just didn’t realize what could happen.
This website contains free advice and a simple, step by step guide, with sample letters that has helped many people to be completely removed from Chexsystems:
Bank and Chexsystems Removal Letters
NON-CHEXSYSTEMS BANKS Some estimates say that over 80% of the banks and credit unions in the U.S. are members of Chexsystems. So finding a bank that doesn’t use them can definitely be a real challenge. But they are out there. In addition… some banks that do use Chexsystems are realizing that automatically denying everyone that’s in Chexsystems (over 8 million people) is simply not smart business. Those banks look at the circumstances of each case individually. And in addition to this… there are some banks that advertise and promote checking accounts specifically for people who are in Chexsystems. These are known as "Second Chance" Checking Accounts.
Chexsystems Solutions maintains a current nationwide list of Non Chexsystems Banks. Our list is updated a minimum of 4 to 6 weeks to ensure it is current. The list also includes banks that specifically offer Second Chance Checking Accounts for people in Chexsystems: Non Chexsystems Banks
USE OTHER PERSONAL FINANCE SERVICES Many people don’t need to use the banks at all! Anyone can get a Secured Personal Money Account with Direct Deposit of your paychecks, ATM cards with a VISA or MasterCard logo, Online Bill Pay… and more. No Chexsystems checks! Everyone is approved!
Personal Money Accounts
Please take a moment to browse through the information that is here for you... Whether you are looking to quickly open up a new bank account... Or just want to learn more information about Chexsystems Inc... This website contains a wealth of tools, and resources, design to help you. We are not, in any way, affiliated with Chexsystems...
We help you resolve the problems that being listed in Chexsystems has created.
ChexSystems
Solutions
Will Help You Get A New Account!
Chexsystems Solutions Proud Member Of:
Consumers Info USA
12388 Warwick Blvd
Suite#301D
Newport News VA 23606

We are NOT Chexsystems!
This website is in no way affiliated with Chexsystems
Our company helps people who are in Chexsystems
get new bank accounts!
|