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Frequently Asked Questions

Who is Chex Systems, Inc?

Is ChexSystems a credit bureau?

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

My account was paid. Why wasn't the report removed?

How can I see what is in my file?

Why does my consumer report only show the last 4 digits of my Social Security number, Driver's License number and/or account number?

How do I dispute information?

How do I add a statement to my file?

How do I submit a complaint to Chex Systems, Inc.?

How do I contact the Consumer Financial Protection Bureau?

Why do I have to give you personal information, like my Social Security number and Driver's License number?

Why did you decline my account?

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

What does NSF activity mean?

How can I opt-out of pre-screened offers of credit?

Are all consumers subject to pre-screened offers of credit?

Who has access to my consumer file?

How do you handle online security?

How can I tell if my online session is encrypted?

What are my rights as a consumer under the FCRA?

I am a victim of identity theft. What rights do I have?

What if I still have questions? How do I contact ChexSystems?

Who is ChexSystems?


Chex Systems, Inc. provides 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 them or their bank).

Is ChexSystems a credit bureau?


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

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


Each report submitted to ChexSystems remains on our files for five years, unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law.

My account was paid. 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, the member is obligated to update the report with a paid in full or settled in full date when applicable.

How can I see what is in my file?


You can order a copy of your report from ChexSystems.

Why does my consumer report only show the last 4 digits of my Social Security number, Driver's License number and/or account number?


This information is masked to protect the privacy of your personal information. If you would like to receive a copy of your report with unmasked data, please submit your request in writing, with a clear indicatation of what information you would like to receive unmasked.

How do I dispute information?


ChexSystems will reinvestigate any item listed in your consumer report that you believe may be inaccurate or incomplete. Please select the following link to obtain information about how to submit your dispute. If you believe the information listed on your report under Drivers License Verification is incorrect, please refer to State DMV Contact Information.

How do I add a statement to my file?


You may be entitled to add a brief statement to your consumer file describing the nature of your dispute of the information. Please select the following link to obtain information about how to submit your statement.

How do I submit a complaint to Chex Systems, Inc.?


You may submit a complaint to Chex Systems, Inc. by mail at:
Chex Systems, Inc.,
Attn: Complaints
7805 Hudson Road, Suite 100
Woodbury, MN 55125

or by fax at 602- 659-2197

How do I contact the Consumer Financial Protection Bureau?


You may contact the Consumer Financial Protection Bureau by

Mail: P.O. Box 4503, Iowa City, Iowa 52244

Telephone: (855) 411-CFPB (2372)
Español: (855) 411-CFPB (2372)
TTY/TDD: (855) 729-CFPB (2372)

Fax: (855) 237-2392

Online: www.consumerfinance.gov/complaint

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 decline my account?


ChexSystems neither approves nor declines accounts. The decision depends on the policies of the institution you attempt to do business with.

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 privacy.
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 can I opt-out of pre-screened offers of credit?


Under the federal Fair Credit Reporting Act (FCRA), consumer credit reporting agencies are permitted to include your name on lists used by creditors or insurers to make "pre-screened" offers of credit or insurance that are not initiated by you. The FCRA also provides you the right to "Opt-Out", which prevents consumer credit reporting agencies from providing your credit file information for "pre-screened" offers. If you choose to opt-out, your name and address will be removed from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 1-888-5 OPTOUT (1-888-567-8688). You may opt-out with ChexSystems at 1-877-OPTOUT 5 (1-877-678-6885).

Are all consumers subject to pre-screened offers of credit?


Consumers under the age of 21 will not be considered for pre-screened offers unless specific consent is provided. If you are under 21 and would like Chex Systems, Inc. to allow pre-screened offers of credit and insurance for you, your explicit consent must be submitted in writing to Chex Systems, Inc. Attn: Consumer Relations at 7805 Hudson Road, Suite 100, Woodbury, MN 55125.

Who has access to my consumer file?


ChexSystems is governed by the federal Fair Credit Reporting Act (FCRA). This consumer protection legislation is designed to ensure that the gathering and sharing of consumer information is done accurately, fairly and with respect for the consumer's right to privacy. You can request a copy of your consumer report at any time. In accordance with the FCRA, your consumer report can only be disclosed to others having a permissible purpose (legal right) for that information. Examples of legitimate requests include:
  • According to your written instructions
  • A business transaction initiated by you
  • Pursuant to a court order or federal grand jury subpoena
  • Use of information for employment purposes, with your written permission
  • Your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law
  • A child support determination, under certain circumstances


  • How do you handle online security?


    All online transactions will require the use of a secure browser such as Netscape Navigator 2.0 or higher, or Microsoft Internet Explorer 3.0 or higher.
    ChexSystems, Inc recognizes the privacy of the information you provide to us and takes steps to ensure the privacy and security of consumer transactions.
    We use Secure Socket Layer (SSL) to encrypt internet transactions, which makes it safe to enter and transmit personal information over the Internet.

    How can I tell if my online session is encrypted?


    If you are running Netscape Navigator, look in the lower left-hand corner of the browser. You will see a small closed lock icon as an indication that your session is running in an encrypted mode. When your session is not encrypted you will see an open lock icon.
    If you are using Internet Explorer, you will see a lock icon displayed in the bottom right corner of the window when you are on a secure page.

    What are my rights as a consumer under the FCRA?


    The FTC has published a summary of your rights under the FCRA. This information can be found by selecting the following link:Summary of Rights.

    I am a victicm of identity theft. What rights do I have?


    Identity Theft Summary of Rights

    What if I still have questions? How do I contact ChexSystems?


    Contact us.

     
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