How to Check if you're on ChexSystems
ChexSystems is a reporting agency used by many banks and credit unions. The agency keeps a large database of consumers who have had trouble managing their checking accounts. If you've never had problems with a checking account, it's unlikely that your name is on a ChexSystems list. Frequent overdrafts and charged off checking accounts are some common reasons for being in the ChexSystems database. If you are, you may have trouble opening a bank account. If you are concerned and want to avoid the potential embarrassment of being turned down, you can order your ChexSystems file for free.
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Instructions
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Ordering your ChexSystems File Online
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Visit the ChexSystems website. Click "Order Consumer Report" and click "Agree." Answer the question "Have you been declined because of a ChexSystems Report within 60 days?" Select "Yes" or "No," then click "Continue."
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Verify your age and then click "Continue" again. Type your full name, Social Security number and mailing address.
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Complete the Captcha puzzle on the bottom and click "Submit." Your ChexSystems report will be mailed to you within five business days.
Alternative Methods
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Download and print the ChexSystems order form (see Resources). Fill the form out completely.
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Fax the form to ChexSystems at 1-602-659-2197 to order your report by fax.
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Mail the form to ChexSystems, if you prefer to request your report by mail.
ChexSystems, Inc
Attn: Consumer Relations
7805 Hudson Road, Suite 100
Woodbury, MN 55125
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Call the ChexSystems automated telephone line at 1-800-428-9623, if you'd prefer to order your report by phone.
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Tips & Warnings
Your report will arrive whether you are on ChexSystems or not. If you are not on ChexSystems, the report will be blank. If you are on ChexSystems, the delinquent items or trouble areas will be listed on your report.
