I am a victim of identity theft I just recently found out it breaks my heart because I've always paid cash ever since I was 19 and I've had the same account for the past 15 years checking account another bank I've never been late on my loans with my bank and I've always paid my overdraft fees or they're telling me that they're going to have to close my account because of some stuff that is in chexsystem then I check my credit report and there's a lot of charge-offs on my credit report and I don't have money I'm a single mom of six kids and I'm by myself and it's very hard to keep up with my mortgage to does anybody else know how long it takes and how much money it takes to get everything off your credit bureau report?