Comments on: How to Request Your ChexSystems Consumer Report

By: Crystal

Crystal — Mon, 15 Feb 2010 19:49:13 +0000

I agree govenar. Talk about an oxymoron – “I declined your first check because I am not sure it is good but now I have a history for you.” It is interesting how they can build a history without knowing whether a check is good or bad. Another reason, when I’m dealing with commerce, I’m going to stick with my checkcard for all purchases over $4. At least, I’m “suppose” to have some protection against the ruthless merchants. I would do away with all check writng if it weren’t for the fact that fees are charged with credit/bank card purchases. Once I’m done with the batch of checks I have received free from the bank, I’m going to stick with cash, bank card, and online bill pay. Chexsystems have in essence lost a customer that they never had.

By: govenar

govenar — Mon, 15 Feb 2010 19:38:42 +0000

So just the fact that they declined your first check was enough to give them a history on you, and it won’t be a problem in the future? That seems pretty silly, but maybe that answers your question.

By: Crystal

Crystal — Mon, 15 Feb 2010 18:44:08 +0000

Hi,

I attempted to pay for an ER vet bill via check, as the Vet agreed to hold the check for me for 10 days per my request until I received my bonus but Chexsystems would not validate my check. I only write checks for church donations – for amounts greater than that check and never had one returned. Yet, this was my first non-donation check. So, I called to inquire why it was rejected and was told my check fell outside of their approval guidelines. After I insisted for a better answer, I finally was told since I had not written a check that went thru their system before they did not have any history on me and just declined it. She followed that up by saying now that they have history on me my checks will be reviewed based on that history. How is one to build a good history when the first check was declined and not for a good reason if you ask me? Fortunately, I had the money in the bank account and just paid with the Visa checkcard for the same account. Has anyone had a similar problem? Even still, how do you respond to such action?

By: Veronica

Veronica — Wed, 03 Feb 2010 15:39:38 +0000

I got my chexsystem report in Dec and found out that BofA had reported me for account abuse. After disputing it with the credit buearu, chexsystems, BofA and the collection company(which took less then 30 days) BofA took it from both my credit report and my chexsystem report

By: govenar

govenar — Sun, 17 Jan 2010 23:36:12 +0000

A problem I’ve had with a ChexSystems report is the section that says “Social Security Number Validation indicates the year and state that a particular sequence of digits first became
available for issuance by the Social Security Administration.” In my case, the year they said was before the year I was born. My understanding is that they only know when a range of numbers started being assigned and they don’t know dates for specific numbers in that range, so this doesn’t indicate a problem (maybe it would if it was reversed, with the person’s birthdate earlier than this date). But when I tried to open an account at WaMu, their computer flagged this as an error and wouldn’t open the account (they did eventually open it after I went to the Social Security office and got a printout stating the SSN belonged to me). Is this just a bug in WaMu’s system? Does anyone have more info on this?

By: eric

eric — Fri, 25 Dec 2009 22:07:56 +0000

About time I did this! It’s been on my list for a year or more. Ok done!

By: Chris

Chris — Wed, 23 Dec 2009 22:48:29 +0000

Got mine today…everything looks good.
Thanks!

By: Izalot

Izalot — Sat, 19 Dec 2009 03:52:39 +0000

More info for free, what a bargain!

By: Jim

Jim — Wed, 16 Dec 2009 14:54:11 +0000

Thank the government! The same law that requires bureaus to share also applies to these guys.

By: BrianC

BrianC — Wed, 16 Dec 2009 14:19:34 +0000

Interesting. I’ve heard that if you open too many bank accounts in a short amount of time you may get rejected on your next application based on your ChexSystems report. I’m now curious what’s on mine. Thanks!

By: Scott

Scott — Wed, 16 Dec 2009 14:09:14 +0000

You used to only be able to request your ChexSystems report if you had been denied opening a bank account (you had to specify the bank that denied you in your request for the report). Looks like they’ve got their heads on straight now and let you review it once a year BEFORE you apply – brilliant!

By: javi

javi — Wed, 16 Dec 2009 04:31:51 +0000

Thanks will try this out, I never knew about this.

By: Daniel

Daniel — Wed, 16 Dec 2009 04:23:02 +0000

Coincidentally, I ordered my report last month. I had two checking accounts reported and a mention of a box of checks being ordered. One of the checking accounts reported was a credit union.

Not much information included in the report, but a nice precaution to check against fraud.

By: Daniel

Daniel — Wed, 16 Dec 2009 04:20:41 +0000

Yes, it is free to order this report from ChexSystems once per year.

By: aua868s

aua868s — Wed, 16 Dec 2009 04:08:52 +0000

is it for free?