How to Deal With ChexSystems Problems (the Really Tough Ones)
Many of our readers have come to accept that they are stuck on the ChexSystems list for the next few years, and choose to get a prepaid debit card account, or a second chance checking account and wait for their name to eventually drop off the ChexSystems list. But what about people who don’t have the option to wait? Some people need to open business checking accounts, or can’t afford to waste money on check cashing, money orders, or high banking fees. Here’s how to deal with those really tough ChexSystems problems, when you really need to get your name removed.
The answer is pretty simple: hire a consumer lawyer. If you think that ChexSystems is reporting bad information about you, and you need to get your name removed (and maybe you’ve tried to write a ChexSystems removal letter on your own), it may be time for you to look for a good attorney.
Here’s the great news. Many good consumer lawyers will take your case for free (on a “contingency” basis). Here’s why.
The Fair Credit Reporting Act (which governs consumer credit reporting agencies like ChexSystems), includes a number of provisions that allow an attorney to collect his or her attorneys fees from ChexSystems if the attorney is successful in bringing a claim under FCRA against ChexSystems on your behalf.
In the next few weeks, we’ll be writing more about this, but for now, you just need to know how to get in touch with some excellent consumer credit lawyers. Click on the banner below, and you’ll be taken to a form where you can present a few details about your situation to a number of great attorneys. They’ll get back to you (by email and over the web– you won’t get any phone calls unless you want them) with their biography, and how they can help you.
If you are really on the ChexSystems list improperly, you should be able to get one of these attorneys to take your case on a contingency basis. You won’t pay until they get a good result for you (and then ChexSystems will actually pay your bill).
Check it out right now. You don’t pay anything to submit your case to a bunch of attorneys who will get back to you immediately.
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