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.
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.
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 led to this 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.