If you have been denied an account and ChexSystems was used in the decision process this information will help you understand what may have contributed to that decision.

How long does information stay on chexsystems. How do I know if Im in ChexSystems. Like most other negative information on your ChexSystems reports the record of paid liens and evictions can stay on for seven years. The information stays on file for five years from the date the account was closed.

How Long Does a Report Stay on File. Are there any banksCUs that dont pull Chex. How long does it take to get out of ChexSystems.

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. Until then you might be able to open a second-chance checking account. ChexSystems maintains information in your file for five years.

How do I get it deleted. ChexSystems isnt required to delete accurately reported information but every bank is responsible for updating the payment status on a delinquent account thats been settled. But each financial institution has its own rules about how much time must pass after a negative incident before you can open a new bank account.

Each report submitted to ChexSystems remains on our files for five years unless the bank or credit union that filed the report requests its removal or ChexSystems becomes obligated to remove it under applicable law. Wait until the record drops off the databaseMay 3 2019. Unfortunately this may limit your options to second-chance bank accounts and prepaid debit cards.

Order a ChexSystems report by fax. How Long Do You Stay In ChexSystems. How long does the report stay on file.