Help Cleaning Up Chex Systems

happyharold4 | Dec 3, 2023 | 388 posts since 2022

If you were able to clean up your CS report and return it to a favorable status---Would you please give us a thorough step by step of how you accomplished that---My FICO is 835 with no debt and nothing negative---I recently tried to open a new savings at BMO and was rejected because of CS. Thanks

Post an answer

Answers

Kaight | Dec 4, 2023 | 1,192 posts since 2011

I have some experience speaking with ChexSystems "customer service". Clearly, at ChexSystems. customer service is a cost center. The reps, when you even can understand them, are horrendous. ChexSystems makes no money "cleaning up CS reports and returning them to favorable status". And you can tell that when you call them and try. It's a painful encounter.

milty | Dec 3, 2023 | 1,672 posts since 2018

How do you know it was CS that caused the rejection?

IGR | Dec 4, 2023 | 580 posts since 2020

it is a project of the lifetime...wasted time and aggravations
Step 1: Create an account for ChexSystems Consumer Dashboard
Step 2: Request Disclosure Reports; both Consumer and Score.
Steps 4-24: Depend on Reports Content.
Step 3: Avoid Financial Institutions which using ChexSystems.

p.s. "FICO 835 with no debt" is great for Vanity, "lame" for Wealth.

The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Contact [email protected] to report inaccurate info or to request offers be included in this website. We are not affiliated with the financial institutions included in this website.