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DISCLOSURE REPORTS CONSUMER DISCLOSURE

Consumer Disclosure

 

Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your consumer disclosure report, upon your request, at a minimum once every 12 months and more frequently under certain conditions. To request your free report, follow the instructions provided below to submit online or select the ‘Other Methods’ tab for instructions on how to submit through mail or telephone.

ChexSystems® provides all consumer disclosure reports free of charge. You can request a report to learn what information, if any, is listed in your consumer file at ChexSystems. 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.

You must be 18 years of age or older to communicate with ChexSystems. ChexSystems may access, store and use your identifying information to the extent permitted by law.

View a sample consumer disclosure report to see what type of information may be reported to ChexSystems. A Spanish sample consumer disclosure report can be viewed here.

Learn more about reviewing your consumer disclosure report by watching this video.

To Submit a Request on Behalf of Someone Other Than Yourself

Click the options below to learn more.

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Submitting a request for a minor

You must be 18 years of age or older to communicate with ChexSystems. To submit a request on behalf of a minor, a parent or legal guardian must complete the Consumer Request for Disclosure Form and return it to ChexSystems by mail. All of the following documentation must be included:
  • A copy of the minor's birth certificate;
  • A legible copy of the minor's Social Security card;
  • A legible copy of the parent or legal guardian's driver's license or state identification card;
  • Proof of address for the parent or legal guardian (in the form of a pay stub, utility bill or other official document bearing the address to which correspondence is to be sent);
  • If your name does not appear on the birth certificate, a copy of a document confirming legal guardianship is required. The proof of guardianship must be an official court or other legally binding document; and
  • Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.

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Submitting a request for someone who is not a minor

To submit a request on behalf of someone who is not a minor, you must complete the Consumer Request for Disclosure Form and return it to ChexSystems by mail. You must also include the following documentation authorizing ChexSystems to communicate and provide information to you:
  • A notarized Power of Attorney or
  • A notarized copy of specific written instructions signed by the consumer
  • Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.
  • Submit Request Online
  • Submit Request by Other Methods

To Submit a Request for Your Consumer Disclosure Report

* MANDATORY FIELDS

Delivery Method *

You may submit a request using this website up to 3 times per delivery method within a 2-week period.

Personal Details

Please provide your state-issued ID number. If providing a military ID number, select “MY” as the state of issuance.

Address Details

Previous Addresses

Any other addresses you have used in the past five years.

+ Add Previous Address - Add Previous Address

Terms and Conditions *

By checking the box below, you confirm that you have read the terms and conditions, that you understand them and that you are in compliance with them. To submit your request using another method, click the tab labeled ‘Submit Request by Other Methods’.

  • You may request only your own personal ChexSystems report. By selecting AGREE, you certify that you are the person whose report is being requested.
  • You understand that obtaining another person’s consumer report is a violation of federal law punishable by fines and imprisonment.
  • You agree to provide your accurate identifying information.
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* MANDATORY FIELDS

* MANDATORY FIELDS

* MANDATORY FIELDS

* MANDATORY FIELDS

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    Using the toolbar below, you can do the following:
  • To download your report, click the download icon

Telephone and Automated Phone System

800.428.9623

The automated phone system is available 24 hours per day. Representatives are available to assist during normal business hours 8:00am - 7:00pm Central Time, Monday through Friday.

Mail

Complete, print and mail the completed Consumer Request for Disclosure Form to:

Chex Systems, Inc.
Attn: Consumer Relations
PO Box 583399
Minneapolis, MN 55458

Hearing Impaired

Hearing impaired consumers can contact ChexSystems through a TDD Relay Operator by calling 7-1-1 and referring the operator to 800.428.9623.

Visually Impaired

Visually impaired consumers can call 855.472.2911 to request a ChexSystems Consumer Disclosure Report in Braille, large print, or audio CD.

Important instructions to consider
  • You must be 18 years of age or older to communicate with ChexSystems.
  • Correspondence must include consumer’s full name, current address, date of birth, and Social Security number.
  • Once your request has been received, ChexSystems will mail a response to you.
  • You agree to provide accurate identifying information.
  • ChexSystems may access, store and use your identifying information to the extent permitted by law.