I have a question for you. Since you have mentioned that you were able to remove your negative entry on chexsystems because you didn't have a debit card. My file does not list it was debit card problem, what can I say instead? Its already been paid off and almost three years but I would still like it off. Can, I say that I didnt have an account with them? Or I didnt know anything about it? Thanks alot...Im kinda lost in what i can do, since the only option is to wait.....
Heh... The information Chex had on me was 100% accurate. The point of my letter was that I didn't deny the information, I just stated I didn't recall having the card. You'll obviously have to adapt your approach to your individual situation.
I just wanted to add to this to tell you exactly what happened to me. I moved and overdrew my checking account in another state in the process. I think I ended up owing the bank about $270 which I never paid. When I asked for a copy of my Chex report, the listing from the bank was "Debit Card Revoked", not overdrawn or account closed or any other listing.
..just dispute it as NOT ACCURRATE and see what happens. Thats all I did and was able to remove entries even tho they were accurrate..
Will try not accurate and see what heppens. Hopefully, the bank does not have any docmentation on it and they will delete it.
