If you have ordered your Chexsystems Report it will list the bank or banks that have put you in Chexsystems.

You can simply call the bank that you owe the money to and ask them if you clear up the bill by paying it would they please remove you from Chexsystems. 

Believe it or not some banks will do that for you. Others, will not.

Some people don't even call the bank that reported them, they pay off their bill, Chexsystems marks it as paid and then they wonder why they are still in Chexsystems.

Chexsystems does not have to remove the marking from your report, unless the Financial Institution that put you there tells them to. Just because you paid off the bill doesn't mean it gets removed. That's why it is always best to call the Bank first and get an agreement in writing.

If you get an agreement in writing and the Bank still failed to remove you from Chexsystems, you can dispute this with Chexsystems and send them a copy of the agreement that the bank & you decided on, which will prove that you should be removed from their database.

So all and all always call the bank, see if something can be worked out and then pay it. Otherwise, you can pay it but that does not and probably will not get the mark removed from your report.

Chexsystems in not obligated just like a Credit Report Agency is not obligated to remove your bad marks.  They only have to put PAID unless the bank tells them to remove it from the Report.

Contact Chex Systems, Inc.
Mail: Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125

Phone: 800-428-9623 or fax at 602-659-2197

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