What if ChexSystems does respond within 30 days?

First, if ChexSystems fails to respond to the first, or the second letter and in addition they never corrected of deleted your report, you will have some very powerful ammunition on your side. You can again consider sending another certified letter in even stronger language demanding that the items be deleted. Or perhaps you should truly considered taking the copies of the letters, & the certified mail receipts and having a consultation with an attorney that has experience with the credit agencies. At this point the law is on your side, and they are clearly in violation.

But what if ChexSystems does respond within the time period, and informs you that the bank did verify the information as correct? 

Well often times all ChexSystems did was pick up the phone… call the bank… and a bank employee looks in the computer and says yes we do show a record for this person.

This is NOT evidence whether the information is correct, or incorrect. This is NOT providing you with copies of documentation bearing your signature as you originally requested.

If ChexSystems replies with just a simple letter stating they contacted the bank, and the information was verified, and… they’ve provided no supporting documentation. You can continue the process using the format of this next letter:

Date

FROM:  Your Name
           Your Address
           City, State Zip Code
           Social Security Number

 

TO:      ChexSystems
           Customer Relations          

 

RE: [Enter the case ID number
      on the ChexSystems letter
      you received]

I am writing in response to your claim that [Name of Bank] has confirmed...

----------------------------------------------

NOTE: Be sure to enclose copies of the certified mail receipt of Letter 1 and Letter 2 if applicable. Also include copies of any and all evidence that can help support your dispute, such as all communication and letters, (including the Bank Letter, above) that you have sent to the directly the bank that reported you.

Return to Sample Credit Repair Letters list

 

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