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Understanding ChexSystems: What It Is & How to Check Your Report

ChexSystems is a agency that reports on consumer credit and verifies checks. A large percentage of banks use the information provided by ChexSystems to determine your eligibility for a new account with their institution. If you have had an overdraft or fraudulent deposit in the past five years, it is likely that information is on your ChexSystems report. This information may prevent you from opening an account at a new bank. If a bank has denied opening an account for you, you can obtain a consumer report from ChexSystems that will help clarify the reason you may have been denied.

How to Obtain a ChexSystems Report

Step 1

Visit the ChexSystem website at https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm

Step 2

Click on the "Agree" button at the bottom of the page to order your ChexSystems report and click "Next".

Step 3

Indicate "Yes" that within the last 60 days you have been denied a bank account then click "Next" to move to the next screen.

Step 4

Click "Yes" if you are over the age of 18, the required age to obtain a ChexSystems report online, then click "Next".

Step 5

Fill out your personal information and click "Submit".

Step 6

Receive your ChexSystems report within two to four weeks.

Tip

A ChexSystem report can also be obtained by mailing your request with the required information to: ChexSystems Attn: Consumer Relations 7805 Hudson Road Suite 100 Woodbury, MN 55125

Every 12 months, consumers are allowed one free copy of their report.

Things You'll Need

  • Your full name and any former names you have used

  • Social security number

  • Drivers license number

  • Date of birth

  • Current address and former address within the last five years

  • Email address

  • Telephone number

  • Name of bank that has denied you an account (if applicable)

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