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Frequently Asked Questions (FAQ's)
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Who is ChexSystems?
Is ChexSystems a credit bureau?
Chex Systems, Inc. is a nationwide specialty consumer-reporting agency governed by the Federal Fair Credit Reporting Act (FCRA) and any applicable state statutes.
Who has access to my ChexSystems consumer file?
Examples of legitimate requests include:
- According to your written instructions
- A business transaction initiated by you
- Pursuant to a court order or federal grand jury subpoena
- Your application for a license or other benefit granted by the government, when consideration of financial responsibility is required by law
- A child support determination, under certain circumstances
What if I still have questions? How do I contact ChexSystems?
How does ChexSystems handle online security?
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How long does the closed account stay on ChexSystems file?
My account was paid. When will it be removed?
The source of the information is under no obligation to remove an accurate report of account mishandling, even after payment of monies owed. However, the source of information is obligated to update the report with a paid in full or settled in full date when applicable.
How can I see what is in my file?
How can I communicate with ChexSystems on behalf of another individual?
- A notarized Power of Attorney or
- A notarized copy of specific written instructions signed by the consumer
How can I communicate with ChexSystems about information regarding my minor child?
- A notarized 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.
How do I dispute information?
You have a right to dispute any information in your consumer file that you believe may be inaccurate or incomplete. Please select the following link to obtain information about how to submit your dispute. If you believe the information listed on your report under Driver’s License Verification is incorrect, please refer to How to Contact your State DMV
How do I add a statement to my file?
How can I opt-out of prescreened offers of credit? Are all consumers subject to prescreened offers of credit?
Under the Federal Fair Credit Reporting Act (FCRA), consumer credit reporting agencies are permitted to include your name on lists used by creditors or insurers to make pre-screened offers of credit or insurance that are not initiated by you.
The FCRA also provides you the right to Opt-Out, which prevents consumer credit reporting agencies from providing your credit file information for pre-screened offers. If you choose to opt-out, your name and address will be removed from the lists these offers are based on. You may opt-out with the nationwide credit bureaus at 888.5 OPTOUT (888.567.8688). You may opt-out with ChexSystems at 877.OPTOUT 5 (877.678.6885). You may also click here to submit an online request to opt-out with ChexSystems.
Consumers under the age of 21 will not be considered for prescreened offers unless specific consent is provided. If you are under 21 and would like Chex Systems, Inc. to allow prescreened offers of credit and insurance for you, your explicit consent must be submitted in writing to Chex Systems, Inc. Attn: Consumer Relations at 7805 Hudson Road, Suite 100, Woodbury, MN 55125.
How do I submit a complaint to Chex Systems, Inc.?
You may submit a complaint to Chex Systems, Inc. by:
Mail
Chex Systems, Inc.
Attn: Complaints
7805 Hudson Road, Suite 100
Woodbury, MN 55125
Fax
602.659.2197
How do I contact the Consumer Financial Protection Bureau?
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P.O. Box 4503, Iowa City, Iowa 52244 |
Telephone |
855.411.CFPB (2372) |
Español |
855.411.CFPB (2372) |
TTY/TDD |
855.729.CFPB (2372) |
Fax |
855.237.2392 |
Online |
www.consumerfinance.gov/complaint |
How can I tell if my online session is encrypted?
Why did you decline my account?
Why do I have to give personal information, like my Social Security number and driver's license number?
What is “identifying information”?
Why does my consumer report only show the last four digits of my Social Security number, driver's license number and/or account number?
Why can't I get a copy of my spouse's report?
How do I fill out forms electronically?
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