If you are on ChexSystems’ list, you have probably experienced the frustration of not being
able to open a new checking or savings account, write checks, or use an ATM card (the core banking
conveniences that everyone seems to take for granted). Unfortunately, millions of Americans are on
(or have been on) the list, and are unable to enjoy these banking conveniences. If you’ve tried to open
a new bank account recently, you may be on the ChexSystems list. Here’s how to find out.
1) Go online to request your consumer report by visiting www.consumerdebit.com. You should receive your consumer report in abut 5-7 business days. If you have questions about this contact Litigo for help.
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.
2) Read the report, and see if there are any “negative items” or items of “Reported Information” on the
report (for example, if you owe the bank money, it will show up as an item of “Reported Information”).
3) Review the report to see if the information is accurate. If there is negative information on your
Consumer Report, and the information is accurate, you are on the ChexSystems list, and may have a
difficult time opening a new checking or savings account. IF you don’t understand it contact Litigo for help.
*Review your report carefully. If information is wrong, you may be able to ask ChexSystems to fix it.
*Watch out for any signs of identity theft on your report! For example, check for information about banks
you’ve never heard of, or “inquiries” from companies you know you’ve never dealt with. Act immediately
to fix any potential identity theft.
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.