ChexSystems® Consumer Score
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. For more information on scores, you may view the answers to the frequently asked score questions.
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.
Please Note
Your Consumer Score Disclosure Report will be sent to you by mail or delivered to the ChexSystems Consumer Portal.
To Submit a Request on Behalf of Someone Else
Click the options below to learn more.
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Submitting a request for a minor
You must be 18 years of age or older to communicate with ChexSystems. To submit a request on behalf of a minor, a parent or legal guardian must complete the Score Order Form and return it to ChexSystems by mail. All of the following documentation must be included:
- 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
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Frequently Asked Score Questions
Complete, print and mail the Score Order Form to:
Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458
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.
Frequently Asked Score Questions
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Why did my ChexSystems consumer report receive the score it did?
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Why do companies I want to do business with use scores?
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How can I manage or improve my score?
Scores can change gradually over time as your overall credit and debit history changes. There is no quick remedy for eliminating past credit or debit history that may be affecting your score. The best approach for managing your score is to manage your credit and debit activities responsibly over time. You should review the key factors provided with your score. These are the main elements or factors affecting your score.
Charged off and forcibly closed checking accounts can negatively impact your ChexSystems score. If you have a negative account balance, work towards bringing the account positive as financial institutions may charge off a checking account after 45 - 60 consecutive days with a negative balance. Be aware that paying off a charged off account will not remove it from your consumer disclosure report. The source of the information is obligated to update the report with a paid in full or settled in full status and date when applicable. When ChexSystems receives an account status update from the source of the information, the report will be updated, but the record will remain on file for five years.
Research shows that consumers opening many checking accounts in a short period of time represent a greater risk. Applying for too many accounts too quickly can lower your score.
There are many credit repair companies doing business today, but you should be very cautious and avoid any companies that offer to remove late payments or other accurate information from your credit history. It is illegal for these companies to offer to remove accurate and timely negative items from your credit history. If you are unsure about a company's credibility, you should contact the Better Business Bureau before doing business with them.
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Do all ChexSystems clients use the same scoring model?
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What are ChexSystems Consumer Score ranges?
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What personal information is not used when generating a consumer score?
The ChexSystems score does not use any of the following attributes:
- Race, color, or ethnicity
- Religion
- National origin
- Consumer age or date of birth
- Sex, sexual orientation, or gender identification
- Familial status (including presence of children)
- Marital status
- Disability (mental or physical)
- Criminal history