I recently discovered that I have a Chexsystems report for an account closed by Norwest bank in 1998. This was a business account for a business that went under. Two checks, written to me by clients, were returned NSF after the business had already closed, and thus overdrew the account. The reason I only recently found out about the Chexsystems report is that I have and have had a Bank One account since way before this business fiasco, so I have never needed to apply for an account and thus never found out about Chexsystems. Now I would like to change banks from Bank One and have found that I cannot. The Norwest branch is now owned by Wells Fargo. I contacted them today and was told that they would not remove the Chexsystems report even if I paid the balance owed. I was perfectly blunt, although friendly, to the bank representative, and I explained to her that I was frankly hesitant to give up the only bargaining chip in my possession (the money) unless and until they could offer me something. In other words, if my situation would be no better off for paying them, what would be my motivation to do so anytime soon? She was very friendly, but still stood her ground that they would not remove the report. She did advise me to take the issue up with the bank manager, however, and see if she might possibly be able to make a deal of some kind. Since she was out today, I am expecting to speak to the manager tomorrow. Before I get on the phone and blow anything, I would really like to hear from anyone here who may have some advice to offer regarding what I should or should not say, etc. Should I try to be firm and take a "I have the money and you want it, so make me a deal" kind of approach? Should I just throw myself on her mercy and beg? Any negotiating tips would be very much appreciated! Thanks!