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Answered 2008-10-11 21:04:00

It takes 5 years to be removed. If you are not removed after 5 years you need to send in a letter to request removal

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How long does it take ChexSystems to send your report?

You should receive your chexsystems report within 2 weeks of ordering it. However, there may be cases where it takes up to 30 days to receive it.

How long I've been in chexsystems?

To find out how long you have been on ChexStems you need to first get a copy of your chexsystems report. By law, you are entitle to one free chexsystems report each year. You can search online to get a copy of your report. You can also try calling ChexSystems at 800-428-9623. To find out more about ChexSystems and other money tips and advice, visit Money 411 at:

Why would it take more than two years for information to be removed from ChexSystems if the bank requested removal of information?

If the reporting bank tells chexsystems to remove your name from the database then it should not take 2 years.

Will you be removed from ChexSystems even if the balance has not been paid off?

After five years. At least that is how long they kept me in and I paid. It makes no difference if you pay or not. You will still be in Chex systems for at least five years. The only way to get out of chexsystems is to wait the 5 years or file a dispute with either chexsystems or the bank that reported you to chexsystems. There is no guarantee for removal. Paying Chexsystems will NOT remove you. They do however have to make sure their records show that no debt is owed. Chexsystems is a CRA and must adhere to the FCRA. All information on your report MUST be accurate or deleted.

Non chexsystems banks in Illinois?

yes there are some banks in Illinois that do not use chexsystems and there are also some that will give those on chexsystems a second chance.

Does blackhawk bank use chexsystems?

Yes, Blackhawk Bank does use a Chexsystems product.

Can chexsystems be added on a chapter 7 bankruptcy?

ChexSystems is a type of credit reporting agency. The debt would be to the bank which listed your debt with ChexSystems. List the bank to which you owe money with ChexSystems as an "additional address" so that both the bank and ChexSystems will both receive notice and your debt can be removed from ChexSystems database as well. However, the BANK is the creditor, NOT ChexSystems. Be sure to list the bank. *I am not a licensed attorney and this answer should not be construed as legal advice. Please consult with your attorney for actual legal advice.

Can you join your new husband's credit union account with your name in Chexsystems but his is not?

Not if they use chexsystems. They will make you clear up your issues with chexsystems first, and then when they check and you're cleared, you can be added.

What are the banks in Texas that doesn't have chexsystems?

There are some yes that do not use chexsystems. Many banks in Texas use Telecheck instead. 1st COnvenience bank is a bank that does not use chexsystems.

Where can you open a bank account that does not use chexsystems?

There are many banks that do not use chexsystems and there are some that offer second chance checking and make exceptions for those that have been reported to chexsystems.

What checks does a ChexSystems report run?

ChexSystems are a company which offer a range of fund checking. It is similar to Experian. Many banks and credit companies use ChexSystems. It stops fraud.

Can you open a business checking account after being denied due to chexsystems?

== == Yes there are banks that do not use chexsystems and others that will only run a businesses name through chexsystems and not the signers when applying.

How do you find out if you're in chexsystems?

ChexSystems is a credit reporting agency and you are entitled to a free report every year.

Can you open a savings account if you are on ChexSystems?

Opening A Savings AccountGenerally if a bank uses chexsystems, they will use it to open a savings as well. Sometimes a credit union will open a savings account if you are on chexsystems as long as you are eligible for a membership even if they will not open a checking. Some banks and credit unions do not verify savings accounts through chexsystems so it really depends on the bank or credit union .Right now ING direct is an excellent place if you are looking for a savings ONLY. They will not run chexsystems.related question for more helpAre_there_any_banks_that_do_not_use_Telecheck_or_Chexsystems

How do you contact chexsystems?

Can chexsystems affect loans?

There are some that have said they were turned down for both loans and jobs due to a negative chexsystems report

Are websites that offer help for people on ChexSystems effective and free of charge?

Here is a site that is absolutely free and will provide a list of non-chexsystems banks and credit unions And here is a forum that you can join for free that will help as well ..they offer free sample letters for chexsystems removal and also have a free nationwide list of non-chexsystems banks Never pay for the help that you need with chexsystems issues

Does hsbc use chexsystems?


If you have two accounts and one in chexsystems will the other show in chexsystems also?

No. Only the accounts that have been reported show up in the system.

How do you know how much you owe to chexsystems?

To find out how much you owe to ChexSystems you need to get a copy of your Chexsystems report. By law, you are allowed one free copy of your chexsystems report each year, which does notcount as a credit inquiry.You can search online to find services that help you get a copy of your report, but be careful because some of these services require that you pay. You can use the link below to get a free copy of your chexsystems report:, here is the contact information for ChexSystems, you may be able to request a copy directly from them:Mail: chex systems, inc.Attn: Consumer Relations7805 Hudson Road, Suite 100Woodbury, MN 55125Phone: 800-428-9623Fax: 602-659-2197Once you have a copy of your chexsytems report you can take steps to repaying the money you may owe and removing your name from the list. To find out how to remove your name from chexsystems use the 'related links' to find out.

You already have an account with us bank even though you are in chexsystems you want to use a new bank none will take you Does'nt your active account prove anything?


Are there any Illinois banks that do not use Chexsystems?

Yes there are many banks in Illinois that do not use chexsystems. It really depends on where you live as to what options are best for you there.

How do you clear credit through chexsystems?

It is your right to file a dispute with chexsystems. There is no guarantee for removal but the FCRA demands that all reports to be 100% accurate.

Do credit unions use ChexSystems?

Yes, many credit unions use ChexSystems to verify personal checks used for deposit and multi-party endorsement. According to Wikipedia, over 80% of US banks and credit unions use ChexSystems.

How long will it be before you can open a checking account if you were denied a checking account not because of bankruptcy but because of outstanding debt?

There are banks that will help you regarless of your credit history. If you have been reported to chexsystems, your name remains on file for 5 years but there are also banks that do not use chexsystems

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