Who is Chex Systems, Inc.?

Chex Systems, Inc provides deposit account verification services to its
financial institution members to aid them in identifying account
applicants who may have a history of account mishandling (for example,
people whose accounts were overdrawn and then closed by their bank).

Is ChexSystemsSM a credit bureau?

Chex Systems, Inc is a consumer-reporting agency governed by the Fair
Credit Reporting Act (FCRA) and other laws. The Federal Trade Commission
enforces the FCRA.

How long does the report stay on file? How do I get it deleted?

Each report submitted to ChexSystemsSM remains on our files for five
years, unless the bank or credit union that filed the report requests
its removal or ChexSystemsSM becomes obligated to remove it under
applicable law.

I paid the bank. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report
of account mishandling due to payment of monies owed. However, if a
collection amount is reported, the member is obligated to mark the
account as paid.

How can I see what is in my file?

You can order a copy of your report from ChexSystemsSM.

How do I dispute information?

The Consumer Relations Department helps people who believe their file
contains misinformation.

Why do I have to give you personal information, like my social security
number and driver's license number?

We ask for this information to ensure that we make a complete and
accurate search and are able to identify all information that may
pertain to you.

Why did you tell the bank not to open an account for me?

ChexSystemsSM neither approves nor declines accounts for banks and
credit unions. The decision is entirely up to them.

Why wasn't my ChexSystemsSM report removed when I filed bankruptcy?

A bankruptcy filing only affects the collection of outstanding debts. It
does not require the removal of accurate factual information concerning
your account.

Why can't I get a copy of my spouse's report?

We are required by law to deal directly with the individual to whom the
information pertains. We strictly adhere to this to protect consumer
To discuss the information with anyone else, we must receive a notarized
Power of Attorney or specific written instructions, signed by the
consumer whose information is being requested, authorizing us to
disclose the information to the person named in the Power of Attorney.

What does NSF activity mean?

NSF - or non-sufficient funds - activity refers to overdrafts that occur
on an account.

How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file
describing the nature of your dispute of the information. If you wish to
add a statement to your file, please submit your statement in writing
with a clear indication that you wish the statement to be added to your
file, ensuring that you sign the request. If you would like assistance
in writing a clear summary of your statement, you may contact Chex
Systems, Inc.