ChexSystems only reports it for five years while Early Warning Services another commonly used checking-account reporting agency reports this information for up to seven years.

How long does chexsystems report. Youll generally receive the report by mail within five business days. You are legally entitled to a free ChexSystems report every 12 months. Although some other consumer reports contain negative information from the previous seven years or more ChexSystems reports generally keep negative information on record for only five years.

If they confirm that information is wrong or incomplete theyre bound by federal law to correct it. Upon receiving your request your ChexSystems report or score will arrive by mail within five business days. How long does it take to get out of ChexSystems.

ChexSystems is a nationwide specialty consumer reporting agency under the federal Fair Credit Reporting Act FCRA. But there might not be much in your report and thats a good thing. Send the police report to the bank then contact the credit bureaus and ChexSystems explaining that the account was opened as a result of identity theft.

You just need to submit your request online by phone by mail or by fax to ChexSystems. Unfortunately this may limit your options to second-chance bank accounts and prepaid debit cards. According to ChexSystems reported information typically stays on your ChexSystems report for up to five years.

How Long Does a Report Stay on File. Check Out Our Free Guide. The terms bank and.

Below are instructions for obtaining your information. Youre entitled to one free copy of your report every 12 months under federal law. If theres an item on your ChexSystems report that you cant have removed manually it usually takes five years for it to fall off your report on its own.