You must be 18 years of age or older to submit online requests to ChexSystems.

How long does your name stay on chexsystems. How long does a bad check stay on ChexSystems. How Long Does a Report Stay on File. How long do inquiries stay on Chexsystems report.

If the institution or merchant that reported the information requests that it be removed or if an applicable law requires the informations removal then it will be removed prior to the five-year time period. Five years is the length of time for bad checks etc and could be the same for inquiries. ChexSystems maintains information in your file for five years.

A red flag on your account can trigger a freeze but if you can show your transactions are legal it can usually be cleared up. The information stays on file for five years from the date the account was closed. From there you should be able to open a bank account again without any problemsStep 1.

Our current practice is to retain record of reported information for a period of five years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy. If you dont make any payments or take any other action the negative information on your ChexSystems reports will stay on your record for 5 years. Some banks wont take a chance they might just close your account at the first whiff of trouble.

According to ChexSystems current policy each entry in your report will be deleted after five years unless noted otherwise in the table above. To submit a request on behalf of a minor you must submit the request by mail or fax and you must include all of the following documentation. Get Your Report After 30 DaysMore items.

According to the FCRA a consumer reporting agency report like a ChexSystems report cant contain negative information thats more than seven years old or any bankruptcies that are more than 10 years old. This may seem similar to a credit score but ChexSystems is an entirely different scoring process. You can only be removed if the one who reported you also requests your removal.