Chexsystems how long does it last

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Get a copy of your ChexSystems Report. You are entitled to a free report every 12 months. Or, if you have been denied a bank account due to information in your ChexSystems report, you are entitled to a free copy within 60 days of the denial. To get your ChexSystems report you can order it directly from ChexSystems by completing an online form. ChexSystems does not allow you to view your report online. Once you submit the ChexSystems Report online form, the report will be sent to you via US mail within five business days.

Call ChexSystems. This is an automated voice messaging system. Mail ChexSystems Report Form. On the ChexSystems website, fill out the consumer disclosure form, print it out and mail it to Chex Systems Inc. Adverse Action Notice.

If you are denied a bank account based on the information contained in your ChexSystems report, the bank or credit union must give you a notice that includes the name of the consumer reporting agency that provided the negative information.

You can then request a free copy of the report: If someone is denied an account, they are entitled to a free copy of their report within 60 days of receiving the notice. Once you have the report in front of you, look for errors in the following areas:.

Typical inaccuracies can range from personal information being incorrect, to information about the account, such as how much is owed or whether any money is owed at all, to cases of potential identity theft.

The report is intended to be a reflection of your banking history, not your current situation. ChexSystems can provide several forms of acceptable proof, including a copy of the canceled check or a copy of the original banking contract you signed when you opened the bank account. If they cannot provide proof, the relevant information must be removed from your report. You can use the information provided to meet your personal situation since no financial problem has a one-size-fits-all solution.

If you need legal advice, contact an attorney with specific experience in this area. From there, you should be able to open a bank account again without any problems. You are legally entitled to a free ChexSystems report every 12 months. You are also entitled to a free report anytime a bank or credit union has refused to open a bank account in the past 60 days due to information in ChexSystems. Once you have your ChexSystems report in hand, review the information carefully to see if you can find any inaccurate information listed.

Chex Systems, Inc. Once you have your ChexSystems report, reference the information you wish to challenge using our sample dispute letter Chexsystem Dispute Letter 1. You must submit your dispute online or by mail. If you choose to mail it, submit your dispute letter via certified mail with return receipt requested. Keep a copy on file for your records. This simple step provides proof of the date that your dispute was received. Send ChexSystems Dispute Letter 2 to request actual copies of documentation from ChexSystems supporting the accuracy of the negative item.

At the same time, send Dispute Letter 4 to the original bank that filed the information with ChexSystems, which adds the burden of responsibility to the bank. Learn the basics about ChexSystems. The report shows a breakdown of specific accounts closed, outstanding debts, bounced checks and more. Request your record in one of these ways:. Call ChexSystems at This is an automated voice messaging system. Visit the website, go to the Request Reports section and fill out the consumer disclosure form.

Submit it online or print it out and mail it to Chex Systems Inc. If you find information that you believe is wrong, gather supporting documents, such as payment records or bank statements. Online: At the link above, click on that webpage where it says "submit your dispute now.

Once you're ready, hit "submit" at the bottom of that page. Via mail or fax: Starting at the same link above, click at the phrase "read more about other methods of submitting a dispute. Then fill in the necessary information and include copies of any supporting documents — not originals. Send these files to the address listed above, or fax them to By phone: If you've already received a copy of your ChexSystems report, you can speak to a representative at This is helpful if you don't have any supporting documents.

The next part is up to you. You can let ChexSystems contact the bank or credit union that reported false information on your behalf or mail a dispute to the financial institution yourself.