Main ChexSystems Phone Number: 800.428.9623
ChexSystems Customer Relations Number: 800.513.7125
ChexSystems Fax Number: 602.659.2197
But before you call the ChexSystems phone number get familiar with your rights under the law pertaining to ChexSystems.
Because ChexSystems is a consumer reporting agency, it must follow certain government rules and you have particular rights.
The Federal Fair Credit Reporting Act is the governing body of ChexSystems along with any applicable state statutes. Before you call the ChexSystems phone number check them out.
Your rights under the FCRA pertaining to ChexSystems
You have a right to receive an adverse action notice.
Any company that uses your ChexSystems report to deny you a bank account or other service like credit, insurance or employment – must tell you, and must give you the name, address, and phone number of the consumer reporting agency that provided the information
You have the right to know what’s in your ChexSystems file.
You are entitled to your ChexSystems file disclosure free of charge once every 12 months. But there are other ways to get your FREE ChexSystems file if:
- A company has taken adverse action against you because of information in your credit report.
- You are the victim of identity theft and place a fraud alert in your file.
- Your file contains inaccurate information as a result of fraud.
- You are on public assistance.
- You are unemployed but expect to apply for employment within 60 days.
How to get your ChexSystems report.
- You can request a copy of your file by calling ChexSystems phone number at: 1-800-428-9623.
- Visit the website at: www.consumerdebit.com to get it online instantly.
- Via fax request at: 602-659-2197.
- By mail at: Chex Systems, Inc. Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN, 55125.
You have the right to know your ChexSystems consumer score.
ChexSystems scores are numerical summaries is primarily used to predict your future banking behavior and the prospect that you will mismanage your account. There are two ways to request your ChexSystems consumer score:
- Complete and Print the Score Order Form from ChexSystems website at www.chexsystems.com. Once completed send the Score Order Form to Chex Systems, Inc. Attn: Consumer Relations, 7805 Hudson Road, Suite 100, Woodbury, MN, 55125 or fax it to 602-659-2197.
- Call ChexSystems phone number at: 1-800-513-7125 to request that ChexSystems send the form to you.
You have the right to dispute inaccurate information.
Any errors or inaccurate information in ChexSystems should be disputed. Under the FCRA, ChexSystems then has 30 days to investigate the dispute. If it fails to investigate and respond, then the item must be deleted.
ChexSystems must delete or correct inaccurate or unverifiable information. Information that is verified as accurate can remain in your ChexSystems file. Check out how to dispute ChexSystems for tips on the procedure.
You also have the right to file a dispute directly with the bank or credit union that provided the information to ChexSystems. You should be able to find this information on your report. The bank or credit union is under the same 30 day investigation rules provided by the FCRA.
Outdated information must be deleted.
ChexSystems can report information up to 7 years; however, they typically remove information after 5 years.
Bankruptcy discharge can get you removed from ChexSystems.
Any bank accounts reporting a balance that were discharged in bankruptcy should be reported as “$0.00 balance, discharged in bankruptcy.” If ChexSystems has not updated your file, send ChexSystems a copy of your discharge notice you received from bankruptcy court and a copy of your ChexSystems report identifying the accounts that were included in bankruptcy. In most cases ChexSystems will simply delete the account.
You may submit a complaint about ChexSystems
Get help if the ChexSystems investigation does not resolve the dispute to your satisfaction. The best place to report a complaint about ChexSystems is with the Consumer Financial Protection Bureau (CFPB) at: www.consumerfinance.gov/complaints. The CFPB will forward your issue to the company, give you a tracking number, and keep you updated on the status of your complaint.
You have the right to sue for violations of the FCRA.
If you have exhausted all remedies to get inaccurate information or errors corrected through the dispute process you may be able to sue in state or federal court. You may seek damages from ChexSystems or the bank for violating your rights under the Fair Credit Reporting Act.
States may enforce the FCRA, and many states have their own consumer reporting laws. In some cases, you may have more rights under your state law. For more information, contact your state or local consumer protection agency or your state Attorney General.
Identity theft victims have additional rights.
The Federal Trade Commission has special resources that make it easier for identity theft victims to report and recover from identity theft. Follow the instructions on Identitytheft.gov to start the process. Here are more steps to take if identity theft has impacted your bank accounts:
- Place a security alert on your ChexSystems consumer file.
- Contact all financial institutions where you have accounts that an identity thief has taken over or that were created in your name but without your knowledge.
- Cancel those accounts, place stop-payment orders on any outstanding checks that may not have cleared, and change your Automated Teller Machine (ATM) card, account and personal identification number.
- File a police report and get a copy of the report to be used if need to show proof of the crime.
- Contact the Federal Trade Commission (FTC) to file a complaint.
More resources that help people in ChexSystems
- Find out more about how ChexSystems works for a better understanding.
- ChexSystems removal can offers strategies to get out of ChexSystems.
- Second chance banking offers options for nationwide wide banks and credit unions that have second chance checking accounts.
- Tips on how you can increase your ChexSystems score.
- Steps to prepare a dispute with ChexSystems.
- Banks that don’t use ChexSystems are very helpful when you have multiple unpaid ChexSystems records.
- Bank accounts for bad credit are useful when your credit is shaky but need a checking account that offers full account privileges like check writing and debit cards.
- Local and State second chance checking accounts may be the best option for people that want to get back to banking locally in the community. While the bank may pull a ChexSystems report, these banks have fresh start checking designed specifically for people with ChexSystems records.