How to Find Out If Your Name is On Chex Systems?

Find out if your name is listed on Chex Systems.

Chex Systems is a consumer reporting agency. It provides account verification to financial institutions. The information helps financial institutions to identify high risk applicants for bank accounts. For example, consumer accounts that were overdrawn, charged off and closed by the bank would identify as high risk accounts. Banks usually report consumer accounts with a history of overdrafts. If your name is listed on Chex Systems, it could hinder you from opening a bank account.

Instructions

1. Visit the official Chex Systems website at www.consumerdebit.com and order your copy online. Under the 2003 Fair and Accurate Credit Transactions Act, consumers are entitled to a free copy annually. Click on the "FACTA Free Report" tab at the top of the web page. Enter your personal information and mailing address. Submit the request once you are finished.

2. Order by telephone. Call Chex Systems at 1-800-428-9623. Provide your name, mailing address and social security number.

3. Order your ChexSystems report by mail. Download and print the order form. Mail the completed ChexSystems form to: ChexSystems Incorporated, Consumer Relations Department, 7805 Hudson Road, Woodbury, Minnesota 55125.

References

• "Consumer Debit": Chexsystems
• "Finance Manual": Chexsystems

Resources

• "FDIC": Facts for Consumers