Chexsystems Information and Chexsystems
Reports
FACTA Free Annual Report
Under the Fair and Accurate Credit Transaction Act (FACTA) amendments to
the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of
your consumer report, at your request, once every 12-months.
To request a free copy of your ChexSystemsSM report, click
here
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Who is Chex Systems, Inc.?
Chex Systems, Inc provides deposit account verification services to its
financial institution members to aid them in identifying account applicants who
may have a history of account mishandling (for example, people whose accounts
were overdrawn and then closed by their bank).
Is ChexSystemsSM a credit bureau?
Chex Systems, Inc is a consumer-reporting agency governed by the Fair Credit
Reporting Act (FCRA) and other laws. The
Federal Trade Commission enforces the FCRA.
How long does the report stay on file? How do I get it
deleted?
Each report submitted to ChexSystemsSM remains on our files for five
years, unless the bank or credit union that filed the report requests its
removal or ChexSystemsSM becomes obligated to remove it under
applicable law.
I paid the bank. Why wasn’t the report removed?
A reporting member is under no obligation to remove an accurate report of
account mishandling due to payment of monies owed. However, if a collection
amount is reported, the member is obligated to mark the account as paid.
How do I dispute information?
Our Consumer Relations Department helps people who believe their file contains
misinformation. Visit
disputes for more information.
What does NSF activity mean?
NSF – or non-sufficient funds – activity refers to overdrafts that occur on an
account.
How do I add a statement to my file?
You are entitled to add a brief statement to your consumer file describing the
nature of your dispute of the information. If you wish to add a statement to
your file, please submit your statement in writing with a clear indication that
you wish the statement to be added to your file, ensuring that you sign the
request. If you would like assistance in writing a clear summary of your
statement, you may contact Chex Systems, Inc.
Contact Chex Systems, Inc.
| Mail: |
Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125 |
| Phone: |
By phone at 800-428-9623 or fax at 602-659-2197 |
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