I filed bankruptcy. I want to open a new bank account but can't because "Chex Systems" has me listed as having an overdrawn bank account. Why did this happen and what can I do?
It happened because you or your attorney didn't list Chex Systems in your bankruptcy filing. If they had been listed, they would have removed you from their "bad list" that banks subscribe to.
You can fix this by faxing the following items to Chex Systems at 602-659-2197:
– A letter with your Social Security Number and a demand that they remove any negative information about you from their report.
– Include either a copy of (1) the Notice of Chapter 7 Bankruptcy Case sent to you by the court or your attorney – if your bankruptcy is still in progress – or (2) the Discharge of Debtor document that was sent to you by the court or your attorney – if you've received your discharge of debts in your bankruptcy case.
Chex Systems should send you an acknowledgment within a few or several days and then your bank overdraft information should be gone from their report.