The sense that you are “on someone’s list” is never a good one. In fact, it can bring feelings of discomfort, frustration, or even paranoia. After all, who are they to place you on their list? One such list is ChexSystems. If you have questions about this contact Litigo for help.
If you have asked yourself recently, “Am I on ChexSystems?,” the best way to find out is to apply for a new checking account. If your application is rejected with no questions asked, you are most likely on ChexSystems.
>>What is Chex Systems?<<
Chex Systems is a risk-assessment database that banks use to evaluate new checking account applications. When you apply for a new account, most banks will automatically look to see if your name shows up in this database. If your name does show up there you’re probably not going to get an account at that bank.
Litigo Inc. is not owned, operated, or affiliated in any way with Chex Systems Inc. or its parent Fidelity National Information Services (also known as FIS). Litigo cannot remove, update, or verify a consumer’s file in the CHEXSYSTEMS database, which is owned and operated by Chex Systems, Inc. Litigo can assist you in filing a dispute against the negative information that banks have reported to Chex Systems. Contact Litigo for assistance 1(877) 432-4818.
This system is designed to be a bank’s best friend by helping them avoid doing business with customers whom they deem to be risks for doing business. Contact Litigo for assistance or questions. At the same time, ChexSystems is not a friend to consumers who are honest folks who may (or may not) have a glitch on their banking record such as identity theft. Litigo can help you solve these issues.
>Why It Is So Hard to Get Removed from this List<<
With this risk database you cannot just write them a letter to protest your name showing up there, unlike with having a mistake that affects your FICO (credit) score, There is no scoring system: it’s just an “on/off” switch and your name is there or it’s not. Once your name is there, there is no chance of getting it removed by request (unless you are the victim of identity theft, for example).
>>The Bright Side: You Can Find a Non-ChexSystems Bank<<
There are a handful of banks that offer second chance checking accounts. These banks will promise to never even check whether your name shows up in the database when evaluating you for a new account: they just avoid this step altogether. However, banks fees may be higher than other banks or institutes. Litigo can help you if you have questions.
If you were reported to ChexSystems by a previous bank that has closed your account, you do have options to restore your banking privileges. Contact a specialist at Litigo today to discuss the options you have in this matter. You can reach Litigo’s Dispute Assistance Department directly at 1-(877) 432-4818 call us today for guidance in resolving your issues.