If you have had a bankruptcy and included the bank(s) that have reported you to ChexSystems then you may want to try the following option before filing a dispute.
In this situation again you must remember that Chexsystems is a credit reporting agency. The same as bankruptcy will not erase a collection on Equifax, Experian, or Transunion, it will not remove your name from Chexsystems.
If you do file bankruptcy you can at the very least get your report to show as paid if you cant get them to remove the entry.
Although they do not have to remove you from chexsystems recently more and more people have been requesting removal from chexsystems after a bankruptcy is discharged and to our surprise, they have been removing many records ..here is a good sample letter below that may help in that request
Your Name
Your Address
Chexsystems Consumer Relations
7805 Hudson Road
Suite 100
Woodbury, MN 55125
Date
RE: Consumer ID # (your consumer ID # here)
To Whom It May Concern:
I filed a bankruptcy on (date) which included the debt that you show on your records. I was advised that sending in proper documentation showing that the debt was included in my bankruptcy and was discharged on (date) would allow this record to be removed. This report is SEVERELY (if not completely) restricting my banking abilities.
If the debt described above has been resolved, I ask that you remove, or have removed, any derogatory marks from my Chexsystems, and Credit reports per the FCRA and send me confirmation that you have done so within 30 days of this letter. Thank you for your time and assistance with this important matter.
My contact information is as follows:
Your Name (printed or typed, not signed)
SSN
Address
