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 mailed to the address you provide.

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

To submit a request on behalf of someone who is not a minor, you must complete the Score Order Form and return it to ChexSystems by mail. You must also include the following documentation authorizing ChexSystems to communicate and provide information to you:
  • 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.

  • Submit Request Online
  • Submit Request by Other Methods
  • Frequently Asked Score Questions

To Submit a Request for Your Consumer Score

* MANDATORY FIELDS

Personal Details

Please provide your state-issued ID number. If providing a military ID number, select “MY” as the state of issuance.

Address Details

Terms and Conditions *

By checking the box below, you confirm that you have read the terms and conditions, that you understand them and that you are in compliance with them. To submit your request using another method, click the tab labeled ‘Submit Request by Other Methods’.

  • You may request only your own personal ChexSystems report.  By selecting AGREE, you certify that you are the person whose report is being requested.
  • You understand that obtaining another person's consumer report is a violation of federal law punishable by fines and imprisonment.
  • You agree to provide your accurate identifying information.

Mail

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?

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.

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Why do companies I want to do business with use scores?

Potential lenders or other companies want to see how you have fulfilled your past credit or debit obligations to assist them in determining if they are able to approve your request to open an account with them, and to help them determine the terms of the account.

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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.

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?

No. The ChexSystems scoring model may be different than the model used by a recipient of your consumer report. Because a score is merely a snapshot of a consumer report at the time the score was calculated, the score will change to reflect changes in the report. There are a wide variety of scoring models available, and each client may use a different model, or may give more or less weight to the score they use in relation to other factors.

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What are ChexSystems Consumer Score ranges?

ChexSystems Consumer Scores range from 100 to 899, with a higher score indicating a lower risk.