ChexSystems

Help for people that can't open a checking account because of ChexSystems listings! Get out of the ChexSystems web! Information about contacting ChexSystems and disputing incorrect listings. ChexSystems Toll free Phone number and mailing address! Read this helpful report before you spend one penny on a list of non ChexSystems banks! Non ChexSystems Second Chance Checking Account! Get one today instant online approval! Free credit builder and free direct deposit!

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What is ChexSystems?

Banks and credit unions report incidents to ChexSystems to protect themselves and other banks from fraud. You may get reported to ChexSystems if your account is closed for cause. What is for cause? Banks differ greatly between them as to what valid reasons are for closing an account.

Here are a few examples:

Bank was unable to collect for an overdraft, ATM transaction, or automatic payment which they honored on insufficient funds.
Multiple overdrafts.
Savings Account, debit card or ATM abuse.
Fraud.
Providing false information in opening account.

About ChexSystems

Each incident stays on your record with ChexSystems for FIVE full years. Once an incident is reported to ChexSystems getting it removed maybe be difficult or impossible. A few banks that will take you back after they are paid off.

Banks report: The policy is that we will not open a checking account for you if you have one or more incidents reported to ChexSystems, regardless if it was paid or not. If you can afford the amount owed, pay it. It will haunt you in the future!

More about ChexSystems from wikipedia.org/ChexSystems

A consumer's ChexSystems report contains banking irregularities such as check overdrafts, unsatisfied balances, depositing fraudulent checks, or suspicious account handling that other banks have reported in the past five years. The majority of banks that use ChexSystems will not open a new deposit account for a customer that has a negative item reported. In 1999, ChexSystems was successfully deemed a consumer reporting agency, and therefore, governed by the Fair Credit Reporting Act. Consumers are now able to retrieve a free ChexSystems report annually, dispute negative items and demand proof of the data contained in the report.^[5]

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How long am I on the list?
Your information stays in the ChexSystems database for 5 years unless there's a legitimate reason to remove it.

How do I get my ChexSystems report?
If you contact ChexSystems and tell them you have been denied an account in the past 60 days, they will send you your report at no charge . Otherwise, there is a fee.

When contacting ChexSystems by mail or fax, be sure to always include your name, address, and Social Security Number (SSN).

The official ChexSystems website address is : http://www.chexhelp.com/

ChexSystems Customer Service
12005 Ford Road, Suite 600
Dallas, TX 75234-7253
(972) 280-8585
Fax: (972) 241-4772

ChexSystems toll-free: phone number
(800) 428-9623
(800) 513-7125
(800) 428-9623

Checking account issues

CheckRite (800) 766-2748
(closed checking accounts)
CrossCheck (800) 552-1900
Equifax (800) 437-5120
National Processing Co.
(NPC) (800) 526-5380
SCAN (800) 262-7771
TeleCheck (800) 710-9898

BadCreditInfo.com/ How to Get Off Chexsystems

ChexSystems Solutions

BadCreditInfo.com/Non ChexSystems Banks
List of Non ChexSystems Banks