⭐️Step-by-Step: Remove Client from ChexSystems & Early Warning Systems

Brianna Shehee

Jun 2 • CREDIT GEMS

YOU NEED TO BE CLEARED FOR BOTH !

( Examples of dispute letters in the comments )

STEP 1: Pull Their Reports

🔹 What to Do:

Have the client request a free copy of their reports from:

- Notes:

These reports will show the banks or credit unions that reported negative activity.
Processing typically takes 5 business days if mailed, 1-2 days if done online.

STEP 2: Review the Reports Thoroughly

🔹 What to Look For:

Accounts marked as:
Check for inaccuracies, old debts (5+ years), or fraudulent activity.

✅ Goal:

Identify errors or outdated info you can dispute.
Prioritize resolving outstanding balances.

STEP 3: Dispute Inaccurate or Outdated Entries

🔹 How to Do It:

File disputes directly with ChexSystems & EWS via:

- What to Include:

Your client’s info (name, SSN, DOB, address)
Details of the inaccurate entry
A statement requesting verification or removal
Include any documentation that supports the dispute

- Templates (optional):

Ask if you'd like me to create pre-written dispute letter templates.

STEP 4: Negotiate and Settle Any Outstanding Balances

🔹 What to Do:

Contact the reporting banks directly.
Ask to:

-Pro Tips:

Always get agreements in writing before paying.
Be professional; emphasize desire to resolve and re-enter the banking system.

STEP 5: Request Reinvestigation After Payment or Settlement

🔹 What to Do:

Once paid, send proof of payment to ChexSystems/EWS.
Request them to:

STEP 6: Follow Up (Within 30 Days)

🔹 Monitor the Outcome:

Both ChexSystems and EWS must respond to disputes within 30 days.
If entries are removed: ✅ Success.
If still reporting: ➡️ You can file a complaint (see Step 7).

STEP 7: File a Complaint (If Needed)

🔹 If Data Is Incorrect or Not Removed:

File complaints with:

- This adds pressure on banks and ChexSystems/EWS to resolve disputes.

STEP 8: Apply for Second-Chance Bank Accounts

🔹 Options Include:

Chime, Varo, SoFi, or local credit unions with second-chance programs
Once ChexSystems/EWS is cleared or if bank doesn’t use them

- Why:

Establishes new banking history while clearing the old one.

3 comments

Maximum Approval

skool.com/maximumapproval

Welcome to the ultimate credit mentorship! Start, grow, and scale your Credit Repair Business with expert guidance and a powerful community! 💳 🚀

Leaderboard (30-day)