Free Chexsystems Removal

Dear fellow-Chexsystems sufferer – I have some good news!

I’ve been getting a lot of nice comments on my Free Chexsystems Removal Guide. Be sure to check it out. You can leave a comment here, or scroll down to the bottom of the Chexsystems Removal Guide to see comments from others who were able to use the information to their advantage.

I wrote that guide back in 2001 when I was stuck in Chexsystems myself and couldn’t find a solution. And I update it annually. I’ve had around 10,000 downloads of that guide every year!

Back in 2001, I kept coming across lists of banks that were supposed to be “non-chexsystems banks”, but every time I called them, the bank either no longer existed, or it DID use Chexsystems. Many were not even located in my own state!

I actually paid $500 to a company that said they could get me out of Chexsystems. But nothing happened other than me losing $500.

So I did some research on the laws that govern companies like Chexsystems. And after a lot of studying, I took them to court and I also took my bank (Washington Mutual) to court.

You see, I had gone $300 negative in my checking account, and by the time I remedied it (7 days later), the bank told me it was too late, and that they had closed my account and reported me to Chexsystems. At the time i had never even heard of Chex Systems. But I soon found out that millions of other people were facing the same problem. And no matter where I looked, no one seemed to have a tried and true solution.

So back to what happened…

After I took both my bank and Chexsystems to small claims court, and after sending them the letters you will find here, they promptly removed me from the database! (I never actually even had to appear in court)

Sometimes it just takes a little elbow grease and some determination, and going directly to the source. What I found out was that in the Fair Debt Collection Practices Act (FDCPA), and in the Fair Credit Reporting Act (FCRA), there are laws that Chexsystems and your bank MUST adhere to when reporting you. And they almost NEVER adhere to them properly. Once you catch them making a mistake, they can be liable to you for damages. Instead of holding them liable for monetary damages, you can instead offer to let them simply remove you from Chexsystems and not have to deal with you anymore. It costs them nothing to remove you, so they are quite happy to do so, in exchange for you not pursuing them for damages. And I was quite happy with that too!

As a side note, you can also use these same tactics when dealing with credit card companies and collection agencies. American Express paid me $1,000 and removed a charge-off in exchange for me just leaving them alone!

The guide you’re about to read was actually optioned as a book too. I almost became a published author . A book agent in New York thought it could really help people, so he signed me to a book deal. He then shopped it around to publishers. A few were interested. But I turned them all down for one reason: they said I could no longer have websites online that teach the info. You see, they wanted to make money off of it, and they didn’t want my free information online competing with the book, causing them to lose sales. I can see how that makes sense for them, but for me it didn’t make sense because I enjoy free speech, and I wasn’t willing to go “silent” online just for a few thousand bucks.

So my loss is your gain!

Plus, I can’t tell you how good it makes me feel to help people get out of Chexsystems once and for all. So be sure to check out my guide, and I’ll see you there.

Rooting for ya,
Kelly Scott

I made this promotional video to help get the word out about our site. It’s not the greatest in the world but it was my first attempt and I’m working on it! I just want to help as many people as possible because I know how difficult it can be to be stuck in Chexsystems.

Coming soon, I will do a walk-thru of this website, including EXACTLY how to use the information to get out of Chexsystems permanently!

Be sure to check out my free Chexsystems Removal Guide.

Rooting for you,
Kelly

ChexSystemsRelief.com is a consumer advocate website with the sole purpose of helping people get out of ChexSystems for free. While other websites supposedly offer lists of non-Chexsystems banks, in our experience these lists are ALWAYS innaccurate, outdated, or require you to drive hundreds of miles to a mom & pop bank in the middle of nowhere. And they often charge you money for these useless lists. We would rather just help you get out of Chexsystems, for free, so you can get an account at any bank you choose.

Our free ChexSystems removal service will get you on your way out of ChexSystems within the next 24 hours – guaranteed.

Even if you’ve written a bad check, or mis-managed your checking account, or any other situation that caused account closure, our free removal service will have you on your way to banking again in no time. We’ve helped thousands of people just like you in our 9 years in business.

*WARNING* - Our free service is extremely powerful. If you are simply looking for any easy way to disservice a bank by purposely mis-managing your bank account, please look elsewhere! We are committed to helping people regain their checking account privileges, not encouraging people to abuse the banking industry.

Chexsystems Facts:

ChexSystems is a banking organization that compiles information about mishandled accounts. The system encompasses more than 90% of the American banking industry. The information that is reported affects more that 10 million Americans. When an individual is up against such a large organizations, whether guilty or not, they will likely need a free removal service such as ours, to get them on their way out of ChexSystems within 24 hours.

Have you ever been denied a new checking account? How about receiving notice that your account has been closed for cause? Has the bank refused to give you information regarding the closure? Is your credit score affected by your recent financial difficulties? Being reported to ChexSystems can cause all of these problems and more.

One of the major problems with ChexSystems is that it treats all individuals reported as equals. Essentially, the network sees individuals who have made a mistake the same as those individuals who have intentionally try to defraud a bank. These individuals receive the same treatment from the bank – account closure and denial. The inequality continues with the five-year blacklisting staying in effect regardless or whether or not the issue has been resolved by the consumer. However, our consumer advocacy group, Chexsystems Relief, is here to place the innocent individual and the banking organization on a level playing ground.

Other advocacy websites only claim to do what we do. They offer lists of non-chexsystems banks. However, these banks are few and far between. Therefore, their lists are often outdated and virtually useless.

Chexsystems Relief is easy. We guarantee that the process will be started within 24 hours. Once the removal process is successful, the participating consumer can open a checking account at any bank and enjoy all of the privileges of banking, including a checking account.

To begin your journey out of ChexSystems, check out my Chexsystems Removal Guide.