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The the answer to this method retail anti theft to trust in some rules in the "Fair Credit rating Act" (or "FCRA") -- the You.S. law that governs how credit reporting agencies (like Chex Systems) are presupposed to act. The FCRA will allow you to dispute all incomplete or inaccurate information in your consumer state. You dispute the report by sending a letter detailing the errors. The FCRA mandates that ChexSystems reinvestigate the errors that you point out to them! Is really powerful. In fact, the FCRA makes it necessary that credit reporting agencies go into the errors within 30 days (or 45 days should you send data during the 30 day period) from receipt of your letter. Here's the most profitable part of it-if Chex Systems can't verify the data you are disputing, should remove it from your record!