First a disclaimer! 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
Under the Fair Credit Reporting Act, all consumers are entitled to one free copy of their credit report each year. By reviewing your Chexsystems report, you can ensure that all information being reported about you to the credit bureaus is accurate. You may also learn what steps you need to take to improve your credit rating going forward. If you are interested in obtaining your free Chex Systems report, you can easily walk through a few simple steps to request and review your report and credit scores.
Determine If You Want to Review Your Score or the Consumer Disclosure Information
You can order a Chexsystems Inc report detailing your credit report or consumer disclosure information. Consumer disclosure information may include credit names, account types, account numbers, outstanding balances and other related details. You can order both reports separately if you wish, but they cannot be ordered through the same application process. You will need to order one Chex Systems Inc report followed by another report. Here at Litigo we suggest you order a copy of your consumer disclosure.
The first step once you are at their official website is to click on the “Request Reports” Button.
Next it will ask you which report you want. As our team at Litigo suggested earlier you want to click on “Consumer Disclosure”. You are more than welcome to order both reports if you choose however the information that is used to either approve or deny you from opening a bank account is in the consumer disclosure. But if you want to see the information in the Consumer Score go for it they are both free and they are required to send you 1 free copy a year by federal law.
Complete the Online Report Request Form
After clicking the link on the top of the page to “Request Reports.” From the drop down menu, you can choose between “Consumer Scores” or “Consumer Disclosures.” The Consumer Disclosures page has an online application form that needs to be entirely filled out in order to submit the request for your Chex Systems report.
If you are under the age of 18 our team at Litigo also has a simple way for you to get your report simply call and request over the phone you can do that by calling their automated system at 800-428-9623 just leave a message with your information like this form and they will mail your report.
For everyone else we at Litigo suggest you fill out the form it gives you a tracking number at the end that you need to write down for later use. If you call you will not get something you can go back to them with later to track this is important if you do not receive your report in the mail which happens often.
Now below the check boxes see a form where you need to fill out your personal information. Don’t worry your personal information will be protected their website is secure and they already have this information in their database if you are listed.
You will only need to fill out previous addresses if your address has changed within the last 5 years. Otherwise skip that information as it is not necessary.
Last you need to enter the capcha code and click on the submit button.
Once you have hit the submit button it should bring you to a page that looks like this.
If you did not get to a page or have a “CX” code you need to go back to the start and try again. Make sure to write down this code and save it for later this is very important information. You may want to make a storage file to keep your records of correspondence to and from ChexSystems. If you do not receive your report within 5 business days then you will need to contact then to find out why? Remember they are required by federal law to provide you with 1 free copy of this report per year so make sure you get yours.
To order a Consumer Score, you will need to print out the online form. You can either mail or fax the completed form to Chex Systems. The contact information is provided on the website.
Wait for Your Report to Arrive
Your Chexsystems Inc report request will be reviewed and processed. If your application is accepted, you should receive your Chex Systems Inc report by mail at the address you provided in your application within approximately five business days. If you do not receive your report in a timely manner, you may need to contact the company by phone for more information about your application status.
Review Your Report
When you receive your report, you may be confused about how to read it. If you have questions you can reach out to our team at Litigo who can help you better understand this information. There is a brief tutorial available on the Chex Systems website that can be enlightening as well. If you discover an error on your report, you should clear this matter up you can contact Litigo for help at 1-877-432-4818. Errors can impact your credit scores and financial decision making processes by your creditors. You can easily follow our recommended steps to help get your information cleared. Now you are ready to get your report so go to www.chexsystems.com to start the process today.
A Chex Systems Inc report may be used by your creditors and lenders that also open bank accounts to assess your qualification status for new credit or loans as well as to determine the pricing you may receive on your credit line or loan. You understandably want to know more about this critical factor that affects your finances, and you can easily walk through these easy steps to request your free report and to learn more about your credit rating.
Our team at Litigo also suggests that you get a copy of your credit report to see what may be listed there as well. Click the Link Below to obtain a copy of your consumer credit reports.