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2008-02-19T17:20:00.000-08:00

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The Secret to ChexSystem Removal Free

2008-01-01T23:39:00.000-08:00

The Secret to Chexsystems.
Provided by www.FixCredits.com

If your name has been put into the Chexsystem you may be finding it hard
to get a checking account or even write a check. Chexsystem is governed by the
Fair Credit Reporting Act, which allows you to dispute claims against you. You
have rights! The first place you will want to visit is https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/index.htm#TopOfPage and order a copy of your Chexsystems report. This will allow you to find out what caused you to be placed on their system and will also give you a Consumer ID number.
The next step on your journey to checking freedom is to send ChexSystems a
letter disputing the negative listing. You need to make a copy of the letter for your
files and send the original letter Certified Mail. This will become a legal
document. You will want proof when it was sent out because ChexSystems is
required to contact you in 30 days or delete the listing.

The address is:
ChexSystems Customer Relations
12005 Ford Road Suite 600
Dallas, TX 75234.

You will need to include on every letter:
· Your name (printed not signed)
· Your complete address
· Your social security number
· Your Consumer ID number (listed on the chexsystems report)
· Your bank’s name
· The negative listing you are being accused of and the date it occurred

MAKE COPIES OF ALL LETTERS AND SEND THEM ALL CERTIFIED MAIL.

Letter 1:
· Inform ChexSystems that you have reviewed your report and are unaware
of this negative listing occurring.
· Ask them to validate the information from the bank and to send copies of
any documentation they have regarding this listing that bear your
signature.
· Ask to have the information deleted from the file under your social security
number.
(This could be your only letter. This maybe enough to have them remove your
name from the system)

Letter 2:

If your dispute was verified

· Inform ChexSystems that you wish to have a description of the procedure
used to determine that the information they sent you was valid.(Looking at
a computer screen does not make it valid)
· Also request a listing of the names, addresses and telephone numbers of
the people they contacted at your bank.
· Mention to them that you are aware of Wenger v. Trans Union Corp., No.
95-6445 (C.D.Cal. Nov. 14, 1995).
· You will want to request that the y respond to your letter in 14 days. If you
are not contacted in 14 days you will contact the FTC and state (yourstate)
Attorney General's office.
· You can also file a petition in small claims court for items such as
Defamation , Violation of the Fair Credit Reporting Act, and Negligent
Enablement of Identity Fraud

Letter 3:

If your letter has not been responded to in 30 days

· Inform Chexsystem that you will file a petition in small claims court for
Defamation, Violation of the Fair Credit Reporting Act, and Negligent
Enablement of Identity Fraud. You can file a petition for $20.00 at your
local courthouse. Its very easy to do and maybe the only thing you can do
at this state of the game.

Chexsystem has removed the negative listing
· Save all documentation that your account has been cleared. Keep this
information safe. It may happen that ChexSystems has not informed all
banks or financial institutions. The documentation will not help you at a
point of sale place but it will with a bank when opening an account.
· As soon as you receive a notice from ChexS ystems that your account has
been cleared, open a checking account.
It is possible that ChexSystems will allow the disputed claim to creep back on to
your report. You will want to have an account opened by then.

Fair credit reporting laws to arm yourself with
616. Civil liability for willful noncompliance [15 U.S.C. § 1681n]
(a) In general. Any person who willfully fails to comply with any requirement
imposed under this title with respect to any consumer is liable to that consumer in
an amount equal to the sum of
(1) (A) any actual damages sustained by the consumer as a result of the failure
or damages of not less than $100 and not more than $1,000; or
(b) in the case of liability of a natural person for obtaining a consumer report
under false pretenses or knowingly without a permissible purpose, actual
damages sustained by the consumer as a result of the failure or $1,000,
whichever is greater:
(2) such amount of punitive damages as the court may allow; and
(3) in the case of any successful action to enforce any liability under this section,
the costs of the action together with reasonable attorney's fees as determined by
the court.
(b) Civil liability for knowing noncompliance. Any person who obtains a consumer
report from a consumer reporting agency under false pretenses or knowingly
without a permissible purpose shall be liable to the consumer reporting agency
for actual damages sustained by the consumer reporting agency or $1,000,
whichever is greater.
(c) Attorney's fees. Upon a finding by the court that an unsuccessful pleading,
motion, or other paper filed in connection with an action under this section was
filed in bad faith or for purposes of harassment, the court shall award to the
prevailing party attorney's fees reasonable in relation to the work expended in
responding to the pleading, motion, or other paper.
§ 617. Civil liability for negligent noncompliance [15 U.S.C. § 1681o]
(a) In general. Any person who is negligent in failing to comply with any
requirement imposed under this title with respect to any consumer is liable to that
consumer in an amount equal to the sum of
(1) any actual damages sustained by the consumer as a result of the failure;
(2) in the case of any successful action to enforce any liability under this section,
the costs of the action together with reasonable attorney's fees as determined by
the court.
(b) Attorney's fees. On a finding by the court that an unsuccessful pleading,
motion, or other paper filed in connection with an action under this section was
filed in bad faith or for purposes of harassment, the court shall award to the
prevailing party attorney's fees reasonable in relation to the work expended in
responding to the pleading, motion, or other paper.

I Need only 20 Point Increase to Get my Loan

2007-12-12T02:36:00.002-08:00

Your current total outstanding debt (Keep this under 50%) Lets say you have a credit card with a limit of $2,000.00 you do not want to use more the 50% of that which is $1,000.00. If you use $1,200.00 your fico score will go down 10-50 points or even more.

Frequency of applications for new credit (Bad, Do not apply for credit unless you must)

Time length of credit history (24 months or more A+++)

All Closed Accounts remove then asap.

Credit scores will increase more than 20 points.
www.fixcredits.com free help

Sky Rocket Your Credit Score Over Night.

2007-12-12T02:36:00.000-08:00

Borrowing money and taking out credit, you are promising to pay back to the lender’s the original principal you borrowed + some interest fees after a certain period of time. How likely is it that you will pay back this debt you owe?

To determine this, the FICO score was developed. FICO is software that calculates your credit score and your risk levels of default, created by Fair Isaacs Corporation.

Your Credit score is determined by your Credit Bureau and some of the factors involved in calculating your credit score include:

History of your credit payments (On time A++ whether you have been paying on-time or delinquent)
Your current total outstanding debt (Keep this under 50%)
Frequency of applications for new credit (Bad, Do not apply for credit unless you must)
Time length of credit history (24 months or more A+++)
All Closed Accounts remove then asap.
Credit scores vary between 350 (very high risk) to 850 (very low risk).

Free Personal Credit Repair Help

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The Secret to ChexSystem Removal Free

I Need only 20 Point Increase to Get my Loan

Sky Rocket Your Credit Score Over Night.