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How to Request Your ChexSystems Consumer Report

The Fair and Accurate Credit Transaction Act (FACTA) and the Fair Credit Reporting Act (FCRA) give you the right to review your credit reports every twelve months [3]. Most people are aware of the three credit bureaus (Equifax, Experian, and TransUnion) but did you know that the rule applies to all consumer reporting agencies, which includes several other types of reporting systems.

One of those systems is ChexSystems. ChexSystems is a network of financial institutions that contribute “mishandled checking and savings account” information. This includes everything from how many checks you’ve ordered, if you’ve had any bounced checks, the number of financial institution inquiries, to instances of identity theft and fraud. Whereas your credit report discusses only loan-related items and your credit score focuses on the probability you’ll default on a loan, a ChexSystems report “fills in the blanks” on how you’d be as a customer of a bank.

You can request your ChexSystems Consumer Report here [4].

Request Your ChexSystems Report

The request process was very easy. In fact, it’s much easier than request a credit report because you don’t have to provide much information at all.

All you need to know is your name, address, Social Security Number, and the address of your residences in the last 5 years. After that quick form, you will get the report mailed to you in 5 business days. It would’ve been nice to be able to review the report online but they don’t offer that capability.

If you ordered it and are eager to see what types of information may be included in your ChexSystems Consumer Report, they offer a three-page sample ChexSystems consumer report [5] you can download.

Now we wait five days.