Why would you be declined to open a new savings account after you had paid off the money you owed to Chex Systems and can this show up on a background report when applying for a new job?

Answer 1

Paying off chexsysems will not remove you from their data base. Chexsystems is a CRA and they will not remove you for 5 years unless the reporting bank tells them to. So yes it is possible to be declined even a savings account if you have been reported to chexsystems (even if no debt is owed) And yes there are some places of employment that will run a chexsystems report when you apply for a job. Again, Chexsystems is a CRA. If you are paying for deletion, get it in writing first. == == Get a credit union account. I had this problem myself. I had to go to the bank that I had had the issue with and get somebody to write a "to whom it may concern" letter saying I'd settled the debt and I took it to the new bank and they opened my account. But just use a credit union. It's better for a number of reasons. As for it affecting getting a job, I'd take a copy of the letter and attach it to anything you sign that gives them permission to check your credit. That is, if you don't have otherwise bad credit - in which case you probably wouldn't want to attract attention to your credit at all. I now have awful credit and I just got a job where I agreed to let them check my credit- I don't know if they did or not... While doing my own research I discovered if you pay the debt to the bank you can get out chex systems in days if your working with a bank representative that would instantly give a letter to chex systems telling them to remove you after you've paid the bank back. Also, before paying the bank back ask them if their willing to remove you from chex sytems because they have the power to do immediately. The reason is they are very much like a credit bureau. Even if you have paid the debt off, the data regarding that account will still remain. Just like a credit bureau, they will keep your record on file for at least 5 years. actually i paid community credit union in Dallas twice. The second time my husband even went with me and we pulled the money direct out of their atm(they only accept cash). I got a letter from that bank to give to my new bank saying it was paid now three years later guess what...Still in the checks system they say i never paid so now once i find the receipt I'l sueing in small claims for Defamation , Violation of the Fair Credit Reporting Act, and Negligent Enablement of Identity Fraud. To dispute write to:

Mail: Chex Systems, Inc.

7805 Hudson Road, Suite 100

Woodbury, MN 55125 Phone: By phone at 800-428-9623 or fax at 602-659-2197 If the reinvestigation does not resolve your dispute, you are entitled to request a brief statement be added to your consumer file outlining the nature of your dispute.