CST to help request your report.

How long can a bank keep you on chexsystems. How Long Do Inquiries Stay on ChexSystems. When you apply for a new bank account the financial institution requests your history from ChexSystems. How long do you stay on ChexSystems.

Five years is the length of time for bad checks etc and could be the same for inquiries. However ChexSystems usually deletes consumer reports after 5 years. Once reported those negative items may remain on your ChexSystems report for up to five years.

Consumer Relations 7805 Hudson Road Suite 100 Woodbury MN 55125. A negative report on ChexSystems can prevent you from opening a checking account at a bank as well as from writing or cashing a check at a merchant. However ChexSystems removes negative banking information apart from bankruptcy after five years.

Submit your online Consumer Request for Disclosure. If you review your report and see any incorrect or. You can also request a free copy when a bank refuses to open an account due to information on your report.

Most people first hear about ChexSystems when they are denied a bank account and told the reason is a negative ChexSystems entry. Although federal regulations allow ChexSystems to keep records for up to seven years the agency keeps them for five. ChexSystems reports are a record of your bank account history.

But just like you have the right to dispute inaccurate information on your credit report you can dispute inaccurate information on your ChexSystems report as well. There will be a list of accounts that have been closed by the bank as well as any money you still owe. You can also request a ChexSystems report by mail.