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chexsystems removal

Many people aren’t aware that Chexsystems exists until Chexsystems has taken away their ability to have a checking account. Chexsystems is a consumer reporting agency that banks use to see if you have ever bounced checks or had to have a bank account closed due to your mishandling funds or not paying fees.

It only takes one small report from a bank for Chexsystems to prevent you from being able to get a checking account, or maybe even having your existing account closed on you. Reports to Chexsystems can be the result of identity theft, unpaid overdraft fees, or simply not understanding your account balance. Knowing how to get removal of bad or incorrect information from your Chexsystems report can be critical for your basic financial needs. Information reported to Chexsystems stays on your report for 5 years.


Were You Denied A Bank Account due to ChexSystems Reports?

Restore Your Banking Privileges Quickly.

Then let Zenith help you to properly file a dispute against the negative information banks have reported to the ChexSystems database. Zenith helps restore your banking!

  • – Chexsystems Disputes are tricky don’t navigate them alone
  • – Get the results you want by filing a proper dispute
  • – Get quality answers from our top support agents
  • – Get approved for a Bank Account!
  • – No more check cashing fees, or second chance fees.
  • – Use a proven solution with the highest success.
  • Get Maximum Profit

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  • Get Maximum Profit

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  • Tranparancey Policy

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So what is ChexSystems and how can being reported effect you?

ChexSystems is a consumer credit reporting agency much like Equifax, Experian, and TransUnion. How they differ is that the major 3 credit reporting agencies manage data about how a consumer handles their credit relationships with verious lenders. They maintain data reported to them by banks and credit unions that have closed checking or savings accounts due to negative activity. It is owned by Fidelity Nation Information Services or (FIS).

This means that the more than 80% of banks that report to ChexSystems and close an account due to negative activity like overdrafts, NSF, bounced check deposits, and suspected fraud activity will provided the information on the individual who’s account was closed to ChexSystems. Now if that individual goes to another bank that uses their data in the approval process for opening an new account. They will see that, that individual has had a previous issue with a different banking institution, and this information can weigh on the decision making for that bank to approve or deny the opening of that account. While the final decision to approve or deny an account is ultimately for that bank to make. The information provided by ChexSystems & other credit reporting agencies like Early Warning Services can have a major impact on their decision.

With over 9,000 different banking institutions, at over 100,000 different branches update the information that is reported to ChexSystems nearly 350,000 times a day. The options become very limited on the amount of banks that don’t use this type of information to approve, or deny an account. Chex Systems Inc. is located in Woodbury, MN and you can call them directly to order a copy of your consumer report at 1 (800) 428-9623 or go directly to their website by clicking here and order the report. They are required by law to provide you with a copy of this report once a year free of charge. If you are trying to reach a live agent at ChexSystems directly they will not provide a consumer with information without you first having a copy of your consumer report but you are free to contact them by calling 1-800-513-7125 you will select the language you prefer, then Press 7 to get to a live agent that will assist you with ordering your report in the mail. There is currently no way to receive this information automatically online.

Credit Reporting Agencies like Chex Systems Inc. are governed by the Fair Credit Reporting Act (FCRA) enforced by the Federal Trade Commission (FTC) and as with any other Consumer Credit Reporting Agency, you have the right to dispute negative information contained in your Consumer Reports.