How do I Clear Things Off ChexSystems?

If a bank or credit union declines you when you attempt to open an account, you may need to review and dispute your ChexSystems consumer report. Much like the major credit reporting bureaus Equifax, TransUnion and Experian, ChexSystems gathers information about your financial activities and helps financial institutions verify your trustworthiness. ChexSystems deals exclusively with bank account information, such as overdrawn accounts and issues reports that may prevent you from opening new accounts with banks and credit unions.

Instructions

1

Visit the ChexSystems website to order your consumer report. The order form requires your first and last name, previous last name if applicable, Social Security number and mailing address. Fill out the form and click the "Submit" button at the bottom of the screen to order your report online. To order your report by fax, print and fill out the order form, then fax to 602-659-2197. ChexSystems also accepts orders by mail. Mail completed order forms to:

ChexSystems

Attn: Consumer Relations

7805 Hudson Road, Ste. 100

Woodbury, MN 55125

You can also order your ChexSystems report by calling 800-428-9623.

2

Dispute errors on your ChexSystems report using the ChexSystems Consumer Request for Reinvestigation form on the ChexSystems website. This form requires the consumer identification number on your consumer report, your name, Social Security number, driver's license number and address. You must also provide the account number for each inaccurate item on your consumer report and explain why you are disputing each item. Mail or fax your "Request for Reinvestigation" form to the address or fax number provided on the form.

3

Pay any accurately listed open accounts on your consumer report. Once you have paid an outstanding balance, the bank to which you owed the money must update your consumer report with a "paid in full" or "settled in full" status and date.