⭐️ Step-by-Step Playbook: Clearing ChexSystems & Early Warning Systems (EWS) ⭐️
🔹 Step 1: Pull the Reports
  • Request your free reports directly from ChexSystems & Early Warning Services (EWS).
  • These reports list the banks/credit unions that flagged you.
  • ⏱️ Expect about 5 business days by mail or 1–2 days online.
💡 Why it matters: You can’t fix what you don’t see.
🔹 Step 2: Review Everything Carefully
  • Look for accounts marked “closed for cause,” overdrafts, unpaid balances, or fraud alerts.
  • ✅ Target inaccuracies, debts older than 5 years, or anything that looks off.
🎯 Goal: Identify disputes + make a game plan to resolve unpaid balances.
🔹 Step 3: Dispute Bad Info
  • File disputes directly with ChexSystems & EWS.
  • Include:
  • Attach supporting documents (proof of identity, receipts, etc).
💡 Want templates? (I can drop pre-written dispute letters.)
🔹 Step 4: Negotiate & Settle Balances
  • Contact the reporting banks directly.
  • Ask for:
  • Pro Tip: Always get everything in writing before sending money.
🔹 Step 5: Send Proof & Request Reinvestigation
  • After payment, forward receipts or settlement letters to ChexSystems/EWS.
  • Request them to update and recheck the record.
🔹 Step 6: Follow Up (30-Day Rule)
  • Both ChexSystems & EWS must respond within 30 days.
  • ✅ If entries are removed—you’re clear.
  • ❌ If not—you’ve got another move (Step 7).
🔹 Step 7: Apply Pressure if Needed
  • File complaints with:
  • This adds heat to banks + reporting agencies to fix errors fast.
🔹 Step 8: Rebuild With a Second-Chance Account
  • While you’re clearing records, open a second-chance bank account with:
  • This builds fresh positive banking history while you’re wiping the old.
✅ Result: Once you complete this process, you’re back in the financial system—able to open accounts, get business banking, and start fresh.
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Darren Crawford
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⭐️ Step-by-Step Playbook: Clearing ChexSystems & Early Warning Systems (EWS) ⭐️
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