Opt Out
By submitting an opt out request, you are requesting that ChexSystems exclude your name from prescreen lists used to send a solicitation of credit or insurance for a period of five years.
Identity Theft
Identity theft happens when someone uses your personal information to commit fraud and receive benefits.
Right to Dispute
You have the right to dispute any information contained in your consumer file at ChexSystems.
OnAlert®
OnAlert® is the only identity theft and fraud protection offering that leverages ChexSystems alternative data, creating brand new coverage and alerts helping consumers detect potential fraud outside of traditional credit products.
Requesting Reports
Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer disclosure report, at your request, once every 12 months. ChexSystems provides all consumer disclosure reports and consumer score reports free of charge.
If you have been denied an account and ChexSystems was used in the decision process, you can request your consumer disclosure report to help you understand what may have contributed to that decision.
Consumer Disclosure Report
- You can order a report to learn what information, if any, is listed in your consumer file at ChexSystems. If you have been denied an account and ChexSystems was used in the decision process, this information will help you understand what may have contributed to that decision.
Consumer Score Report
- Your ChexSystems Consumer Score is based on information contained in your consumer file. By reviewing the key factors that impact your score, you can gain a better understanding of your score.
Education
ChexSystems encourages consumers to have as much information as possible to help guide and inform them about their financial health, especially regarding banking and credit.
Browse through our FAQs to find answers to commonly raised questions.
Protect your Financial Health
- Account Fraud
- Account Tips
- Credit History
Additional Education Information
- Education Websites
- Avoid Credit Repair Scams
Military Service Members and Families
- Security Alert
- Security Freeze
- Request Consumer Disclosure Report
- Submit a Dispute