Upon receiving a bankruptcy discharge, many individuals find out that they are still in Chex Systems, Telecheck and SCAN. These agencies are all subject to the Fair Credit Reporting Act (FCRA) and must report accurate information.
Individuals end up with these reporting agencies usually because their bank account was closed due to fraud, insufficent funds, returned check or some other reason that you owe the financial institution money. HOWEVER, if you successfully complete your bankruptcy and receive a bankruptcy discharge, than your financial liabilities to these banks should now be $0.00. Since Chex Systems, Telecheck and SCAN report the “financial obligation” owed by the debtor, they must report the account as “$0.00 owed, discharged in bankruptcy” (or some other legalese) Once you no longer owe a financial obligation, then you can take the following steps.
Chex Systems does have a department that deals with those that have filed for bankruptcy bankruptcy relief. You just need to fax over the document you received when you filed (you don’t have to wait for discharge papers) your bankruptcy. It shows the date of filing, the case number, the trustee and judge, etc. Chex Systems fax number is (602) 659-2197.
If you prefer to mail it in, Chex Systems address is:
Chex Systems, Inc. , 7805 Hudson Road, Suite 100, Woodbury, MN 55125
You can also notify Telecheck of your bankruptcy discharge by sending in a copy of your discharge notice to the following fax number: (402) 916-8160.
If Chex Systems, Telecheck and SCAN are not notified of your bankruptcy discharge, you will stay in their system for up to 5 years.
If you are tired of the bill collectors harassing you and are interested in filing for bankruptcy, then contact our bankruptcy office – The Law Office of Chirnese L. Liverpool at (818) 714-2200 to see how we can help you to get debt relief.