Disputing Telecheck

TeleCheck System

TeleCheck helps merchants reduce the risk of accepting bad checks.

Over 342,000 merchants use the TeleCheck system. Merchants reduce their risk by accepting checks from customers about whom the TeleCheck system has positive information (or at least no negative information).

If you are a consumer whose check was declined by a TeleCheck merchant you can improve your chances of having your check accepted in the future.

Every transaction that is declined by a TeleCheck merchant is given a "record number". The merchant should provide you with a courtesy card with this seven-digit record number.

You can help TeleCheck create a positive file about you. Provide the record number, your drivers license number, the banking numbers printed on your check, and your Social Security number to TeleCheck International.

Contact TeleCheck at 1-800-366-2425 for further details.

Trouble with TeleCheck?

If you are in trouble with ChexSystems or Telecheck and were denied the ability to open a new checking or savings account we can help! Here are a couple of ways:

Guaranteed Mastercard

Vaya Card is not a traditional credit card or a bank account. It's different. Since it's PREPAID, you load money on to your Vaya Card and then have the flexibility to spend the funds as you see fit.

Use it to shop online, travel or budget your expenses, all with the security of the MasterCard Zero Liability Policy. Additionally, Vaya Card gives you great tools like text message alerts sent right to your cell phone so you're always in control. Best of all, approval is guaranteed:*

  • No Credit Check
  • No Bank Account Required
  • No Employment Verification Required
  • No Minimum Balance Required

Vaya Card combines the strength of the MasterCard brand with cutting edge account management tools.

Vaya Card is accepted at millions of merchant locations worldwide and give you cash access at any ATM with the MasterCard® or Cirrus® brand. You can also use our online BillPay feature to automatically pay your bills each month.

Find Banks that Do Not Use ChexSystems


What You're About to Learn:
How to get a new checking account if you are currently listed in ChexSystems. We keep a freah updated list of over 100+ FDIC Insured Banks nationwide that have been known to give checking accounts to people in ChexSystems, complete with contact information. Many have online applications and offer Visa Check Cards and/or ATM Cards.

Show me the Non-ChexSystem Banks now.

Repair Your Credit Report

There are basically three ways to repair your credit report.

  • You can dispute items on your credit report. This may or may not remove the item from your report.
  • Arrange with your creditor to pay off the debt in exchange for them requesting the credit bureaus to remove the negative item.
  • Pay off the debt and wait (up to 7 years) for the item to be dropped.

In addition, a bankruptcy can remove negative items, but the bankruptcy can remain on your report for 10 years.

In addition, you'll want to establish a good credit history by making small loans, paying off your credit cards, paying your utility bills--all on time. A good current credit history of several years can be more important to credit grantors than bad credit items that are older.

Removing Disputed Items From Your Credit Report

You must first obtain a copy of your credit report. You may need to obtain copies from all three credit reporting agencies.

Identify the item(s) in dispute. Make sure the creditor agrees you do not owe for this item. Get written documentation of this from the creditor if possible.

Write a letter to each credit reporting agency whose report contains an inaccurate negative item. Include their credit report with the item circled or hilited. Indicate that the negative item should not be included on your report and indicate why. Include written documentation from the creditor if available.

Keep a written log of all conversations and correspondence regarding this issue so you can detail the history in future communications.

Two Methods that Help You Disput Items on Your Report

  1. For a Powerful One-Time Upgrade of Your Credit Report

    Lexington Law is a Law Firm specializing in credit report repair. They have helped over 80,000 Americans improve their credit scores by removing inaccurate, misleading, or unverifiable information from their credit reports.

    "It's amazing what a letter from an attorney can do!"

    The Lexington Law Firm is member of the online BBB and offers consumers a performance warrantee. From bankruptcies to charge-offs to tax liens, Lexington Law Firm has challenged virtually every credit problem under the sun and deleted over 600,000 such items to date.

    Lexington Law's service is backed by a warranty which entitles you to some or all of your money back if enough disputed items aren’t deleted. Put simply, they don’t believe you should have to pay for ineffective service. "If we can’t deliver, you’ll be reimbursed."

  2. Do It Yourself Credit Repair

    Credit Secrets is an easy to follow manual that shows you the loop holes and details regarding fixing bad credit, removing negative items that are on your credit report, and adding the elements you want creditors to know about. If you've had late payments, repossession, or even filed bankruptcy, this guide is your ticket to getting your credit report back on track.

    You'll learn everything you need to know to repair your own credit, including:

    • The Inside Secrets of Credit Repair
    • Six Credit Card Secrets Banks Don't Want You to Know
    • How to Establish AAA Credit in 30 Days
    • What to Do to Stop Collection Agencies in Their Tracks!
    • How to Wipe Out Debts WITHOUT Bankruptcy
    • Guerrilla Tactics that will Give You a Good Credit Rating
    • How to Dispute Credit Report Errors
    • Sample Credit Repair Letters

    Get on the right track to Credit Repair today.

    Quarterly Credit Report Access Plus Credit Monitoring

    For one annual fee you can get access to your credit report, updated 4 times a year. Plus you will get weekly credit monitoring and additional services.

    Now iCreditReports.com can provide the following services:

    • Weekly Credit Monitoring Emails You will receive weekly email alerts about changes in your credit report. You can easily detect fradulent activity, new credit inquiries, new accounts, late payments, and more.

      Identity theft is the fastest growing crime in America. The sooner you detect it and take action to fight identity theft, the less damage will be done.

    • Quarterly Access to Your Updated Credit Report You'll get a brand new credit report four times a year. Your reports are easy to read and have color graphics with a free interactive guide.

      With up-to-date knowledge you will be better positioned to know how you stand with creditors.

    • Credit Monitoring You get updated credit scores four times a year plus personalized analysis showing you how to improve your score.

      This will help you get better lending rates as well as quicker lending approval. This will save you lots of money in the long run.

    • Debt Monitoring You'll get an up-to-date analysis of your debt to income ralationship four times a year plus important advice for improving your debt management.

      Your credit score depends, in part, on the amount of debt you have. Improving your debt to income ratio will greatly help improve your credit score.

    • Powerful Tolls for Analysis You be able to see graphically how your credit score is improving with colorful charts showing trends in income, debt, credit score, and more.

      The more you know, the better able you are to imporve your situation.

    Now you can try this service free for 30 days. Go to iCreditReports.com now to start your free trial.

    You'll soon see that this is the most valuable service you've tried on the Internet in a long time.


    Unauthorized Credit Report Inquiries
    Collection Agency On Credit Reports Remove
    Consequences For False Credit Cards
    How To Become A Good Consumer
    How To Remove A Lien
    Good Debt
    Disability Act Credit Cards
    Establish Your Credit
    Millionaire Next Door
    Unauthorized Credit Report
    Credit Report Score Collections Information
    Help With Late Mortgage Payment
    Maryland Refinance
    Car Auction
    Letter Disputing Collection Agency

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    Copyright © 2003-2009 Robert Sherman