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

How long does your information stay in chexsystems. How Do I Know If I Have a ChexSystems File. Inquiries that result from consumer action like applying for a checking account remain on reports for two years. One final option for cleaning up a ChexSystems report is simply letting time take its course.

Generally negative information remains on ChexSystems andor Early Warning Services EWS consumer reports for five years. Information can stay on your report for up to 10 years. According to ChexSystems current policy each entry in your report will be deleted after five years unless noted otherwise in the table above.

However ChexSystems removes negative banking information apart from bankruptcy after five years. How Long Do You Stay In ChexSystems. View information from ChexSystems regarding COVID-19 Coronavirus.

Until then you might be able to open a second-chance checking account. Refer to 12 CFR 1022 Fair Credit Reporting Regulation V for more information. The information stays on file for five years from the date the account was closed.

Under the Fair Credit Reporting Act certain negative information may be reported for up to seven years. Federal regulations allow consumer reporting agencies to report certain negative information for up to seven years. I would write chexsystems a letter and say hey what the heck and see if they wont override some of those inquiries for you.

How Long Does a Report Stay on File. How Long Do You Stay on ChexSystems. Reported information usually is removed from your ChexSystems file after five years.