Help Desk FAQ


Credit reports and scores


I appear in ChexSystems’ database. How can I open a bank account?

ChexSystems collects and maintains information from banks and credit unions regarding account holders. For example, if a bank closes your checking account because of mismanagement, it will report the closure and reason to ChexSystems. When you apply for a new account at another financial institution, that bank or credit union can learn how you managed your previous accounts.

You have the right to request your ChexSystems report and dispute or correct any inaccurate information it contains, but accurate negative information is allowed to remain for five years. You can contact ChexSystems at 800-428-9623, or request your report here:

Not all banks subscribe to ChexSystems, so if your account application is rejected by one bank, try another bank or a credit union. 




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