Interestingly it says the item "has been deleted from your file at the request of the source of the informnation." It's interesting because the listing was 100% valid. Now I have a clean Chex report. About a year ago I was able to open a checking account with TD Waterhouse, and have really had no problems with them. I may open a second account locally if I can find one with no fees, just so I have a place to deposit checks without sending them through the mail.