According to ChexSystems reported information typically stays on your ChexSystems report for up to five years.

How long can you stay in chexsystems. Google tells me that inquiries on Chex can stay on your report for up to 3 years. This process can take time but it shows that youre working to improve your financial situation and can help your chances of getting a new bank account. 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.

ChexSystems scoring ranges between 100 and 899. Federal regulations allow consumer reporting agencies to report certain negative information for up to seven years. This may seem similar to a credit score but ChexSystems is an entirely different scoring process.

Bankruptcies however can remain on both your credit reports and your ChexSystems reports for up to 10 years. 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. As a general rule negative information in a ChexSystem file stays there for five years.

Are there any banksCUs that dont pull Chex. However most bad check databases including Telecheck will remove the entry after 5 years of reporting time. Like most other negative information on your ChexSystems reports the record of paid liens and evictions can stay on for seven years.

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 the customer chooses not to pay for the returned draft then their information could be reported for as long as 7 years. Any consumer reporting agency such as the ChexSystems cant hold the negative information or data for more than 7 years.

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. 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. If your account was closed in good standing there is no law requiring it to be removed from your credit report in a certain time period.