ChexSystems is a database that banks use to determine if potential customers are too great of a risk to
the bank. Banks will report you to this system if they close your account for negative balances or if you
lied when you opened your account. The information can stay on the Chexsystems records for five to seven
years. Litigo can help you.
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.
Some banks will not allow you to be a customer as long as you are on the Chexsystems list. Other banks
might allow you to open an account if you have proof that you have paid off a balance that you owed to
another bank. Some banks will offer you an account but with much higher fees, which help to offset the
bank’s risk for having a customer with previous debts. Call Litigo to get the assistance you need.
You can request a consumer report from ChexSystems if you have been denied an account in the last sixty
days. To do this you can visit the website consumerdebit.com. If you have questions about this contact Litigo for help. Once you receive the report you will need to clear up any fees that you owe other banks. When you do this, request that they send in a report into Chexsystems that the account has been paid. You can dispute any information by contacting ChexSystems as well. Litigo Can help you with your issues.
*You can avoid being reported to ChexSystems by contacting your bank when you are in the negative.
*Some banks are willing to work with you as long as you are making a real and steady effort to bring
your account back into the positive.
*You should work to stop the overdraft cycle as quickly as possible, so
that this does not turn into a constant problem.
*You should balance your checking account regularly, and stick to a written budget to avoid these
problems in the future.