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It will take a few days to get your report. You may want to bookmark this article so you can return once you have your copy. Once you have your copy spend some time reviewing it. Your report will include the following sections: your name and "consumer identifier" one or more items of "Reported Information" (this is the bad stuff that is being reported about your banking history!) one or more "Inquiries Initiated by Consumer Action" (these are things you have allegedly done that caused someone to pull your Consumer Report) one or more "Inquiries Not Initiated By Consumer Action" (these are reports pulled by others about you without your direct permission) one or more "Retail Information" items (from other checkwriting databases such as SCAN) one ore more "History of Checks Ordered" and then personal information about you including your Social Security Number and Drivers License.
Also remove the heading and note at the bottom of the page. Then print the letter sign it and send it by fax or certified mail (return receipt requested!) to Chex Systems. Make sure to keep a copy for your records! Chex Systems Dispute Letter Once you have mailed the letter you may get contacted by Chex Systems for more information. Make sure to remember when you sent the letter and put a note on your calendar to follow up with them if you don t hear back from them in 30 days or so. Check back at our Chex Systems resources website in a few weeks and we will post some further sample letters that you can use to follow up with Chex Systems.
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You dispute the report by sending a letter detailing the errors. The FCRA requires that ChexSystems reinvestigate the errors that you point out to them! This is very powerful. In fact the FCRA requires that credit reporting agencies look into the errors within 30 days (or 45 days if you send additional info during the 30 day period) from receipt of your letter. Here s the most powerful part of it-if Chex Systems can t verify the information you are disputing they must remove it from your record! First however you need to get a copy of your report. You can order it online or by calling (800)428-9623.