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How To Find Out If You are On The ChexSystems List

One of the questions we often get is how to determine if you are on the “chexsystems bad list.” It’s actually pretty easy to determine this.

FIRST STEP

Option 1: Call the ChexSystems number. There will be a list of automated instructions you must follow.

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Option 2: Go to the official ChexSystems website, https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/report/index.htm, and follow the online instructions to get your official (free) ChexSystems Consumer report.

SECOND STEP

  1. Wait about one week (5 business days) for your report to arrive in your mail.
  2. When the report arrives, take a good look at the report and check for any negative items (called “Reported Information”). If you see anything with “Reported Information” then you are likely on the ChexSystems list and will have a difficult time trying to open any new bank account in the US.
  3. Make sure the information is accurate. If you find inaccuracies, you can contact ChexSystems to fix it. In some cases, this may be enough to get you removed from the ChexSystems list.

About The Author

Ben Todd

Ben was a seriously broke graduate student with bad credit who after finding himself rejected for any sort of credit card or loan for most of his adult life, finally decided to get his financial life in order. ‘

He spent several years reading as many financial advice books and blogs as he could.

And suprisingly, Ben found he actually LIKED the topic of personal finance; after fixing his own finances, starting his own successful work at home website business, and using his earnings to get out of debt, created echeck.org to help others do likewise!

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