Consumer Disclosure
Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer disclosure report, upon your request, at a minimum once every 12 months and more frequently under certain conditions. To request your free report, follow the instructions provided below to submit online or select the ‘Other Methods’ tab for instructions on how to submit through mail or telephone.
ChexSystems® provides all consumer disclosure reports free of charge. You can request 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.
You must be 18 years of age or older to communicate with ChexSystems. ChexSystems may access, store and use your identifying information to the extent permitted by law.
View a sample consumer disclosure report to see what type of information may be reported to ChexSystems.
To Submit a Request on Behalf of Someone Other Than Yourself
Click the options below to learn more.
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Submitting a request for a minor
- A copy of the minor's birth certificate;
- A legible copy of the minor's Social Security card;
- A legible copy of the parent or legal guardian's driver's license or state identification card;
- Proof of address for the parent or legal guardian (in the form of a pay stub, utility bill or other official document bearing the address to which correspondence is to be sent);
- If your name does not appear on the birth certificate, a copy of a document confirming legal guardianship is required. The proof of guardianship must be an official court or other legally binding document; and
- Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.
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Submitting a request for someone who is not a minor
- A notarized Power of Attorney or
- A notarized copy of specific written instructions signed by the consumer
- Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.
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Submit Request Online
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Submit Request by Other Methods
If you believe this is an error, please contact us at 800.513.7125.
The consumer information entered indicates this is a Protected Consumer. All communications must be submitted in writing by mail and must include appropriate proof of authority and proof of identity.
If you believe this is an error, please contact us at 800.513.7125.
Your request cannot be submitted online because the information you entered did not match what is on file. Please contact ChexSystems to submit your request using another method.
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Using the toolbar below, you can do the following:
- To download your report, click the download icon
We are sorry for the inconvenience, but we are unable to process this request online. Please Contact ChexSystems to submit your request using another method. You may also call 1-800-428-9623 and select Other Options for assistance with this request. Refer to error code 801.
Telephone and Automated Phone System
800.428.9623
The automated phone system is available 24 hours per day. Representatives are available to assist during normal business hours 8:00am - 7:00pm Central Time, Monday through Friday.
Complete, print and mail the completed Consumer Request for Disclosure Form to:
Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458
Hearing Impaired
Hearing impaired consumers can contact ChexSystems through a TDD Relay Operator by calling 7-1-1 and referring the operator to 800.428.9623.
Visually Impaired
Visually impaired consumers can call 855.472.2911 to request a ChexSystems Consumer Disclosure Report in Braille, large print, or audio CD.
Important instructions to consider
- You must be 18 years of age or older to communicate with ChexSystems.
- Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.
- Once your request has been received, ChexSystems will mail a response to you.
- You agree to provide accurate identifying information.
- ChexSystems may access, store and use your identifying information to the extent permitted by law.