Contact ChexSystems (consumerdebit.com) to find out which banks have placed you in the system. You can file an online inquiry on the ChexSystems website to have your ChexSystems report mailed to your home address.
Dispute any incorrect information on your ChexSystems report. You have to send in a written statement to the ChexSystems office via postal mail or facsimile.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Pay off any debts you owe that are on your report. Contact the reporting bank or merchant to find out the current amount. Also ask where and to whose attention to send the payment. Pay off the account with a money order. If you aren't paying in person, send the payment via certified mail with a return receipt requested.
Ask the reporting bank or merchant to remove the report, once you have paid the account in full. If the reporting bank or merchant doesn't request that the report be removed, the item will stay on your ChexSystems report for five years, but it will be marked as paid.
Avoid bouncing checks or having checking accounts closed for five years, if you can't get out of ChexSystems any other way. By law, there is a five year maximum on all entries in ChexSystems, which means that you won't have any report five years from the date of your most current entry.