No. of Recommendations: 0
My experience was that an account that I had overdrawn 10 years ago (!) showed up on my Chex report over 2 years ago. I had paid everything that was owed & thankfully kept the OLD receipt (since the bank had been bought by someone else in the meantime & 'lost' all of the records). The woman at the bank I opened a new account cleared up my record for me based on my receipt.

Also, we had opened another account beforehand at a different bank with the negative mark on Chex -- as newlyweds with a couple of grand to deposit in accounts, the bank officer has a little lee-way to overlook blemishes if s/he sees fit...

Hope this helps,
Print the post  


UGC Disclosure Notice Regarding Credit Card Posts
Community board discussions about credit cards are not provided or commissioned by banks who may have advertising relationships with The Motley Fool. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.
TMF Credit Center
The Motley Fool Credit Center arms you with real tools and simple messages, that will help you in every credit situation.
When Life Gives You Lemons
We all have had hardships and made poor decisions. The important thing is how we respond and grow. Read the story of a Fool who started from nothing, and looks to gain everything.
Contact Us
Contact Customer Service and other Fool departments here.
Work for Fools?
Winner of the Washingtonian great places to work, and Glassdoor #1 Company to Work For 2015! Have access to all of TMF's online and email products for FREE, and be paid for your contributions to TMF! Click the link and start your Fool career.