How to remove yourself from ChexSystems
What they publish
Per the CFPB entry, "Provides account verification services primarily for financial institutions. Collects and reports data on checking account applications, openings, and closures, including reasons for account closure. Provides deposit account information to lenders evaluating whether to offer credit to consumers with damaged, little or no credit history." Buyers are banks and credit unions screening new deposit accounts. This is a consumer report: there is no opt-out from the file itself. The rights are a free annual disclosure, a security freeze, disputing inaccurate items, and a prescreen opt-out
Removing yourself, step by step
0 of 4 done- Request the free annual disclosure by phone at 800-428-9623 or by mail to Chex Systems, Inc., Attn: Consumer Relations, P.O. Box 583399, Minneapolis, MN 55458 (both from the CFPB entry); the online request page at https://www.chexsystems.com/request-reports/consumer-disclosure was 403 today .
- Place a security freeze — the CFPB entry confirms "This company will freeze your consumer report if you request it"; the freeze page https://www.chexsystems.com/security-freeze was 403 today . Keep the freeze confirmation/PIN.
- Opt out of prescreened offers at https://www.chexsystems.com/optout ; the permanent election reportedly needs a signed mailed form .
- Dispute any inaccurate item in writing; under the FCRA the company "must conduct – free of charge – a reasonable investigation of your dispute" (CFPB entry). Removal of accurate items is not available.
Tap a step to tick it off. Progress is saved in this browser only.
How they confirm it
not fetchable today — the company's pages are 403. The prior guide recorded "full name, current address, DOB, SSN" and a signed "Permanent Opt Out Election" form for the permanent prescreen opt-out
If they ignore you
CFPB complaint (consumerfinance.gov/complaint); state AG; FCRA §611 dispute rights; private right of action under FCRA §§616–617
Re-listing risk for this site: High — a CRA keeps receiving data from furnishing banks; a freeze restricts who can see the file, it does not stop furnishers reporting into it, and the 5-year prescreen opt-out expires
Common questions
How do I remove myself from ChexSystems?
Use ChexSystems's opt-out page (chexsystems.com/optout). The guide above lists 4 steps, and this page writes the removal request for you to send from your own email.
Will my information come back on ChexSystems?
High — a CRA keeps receiving data from furnishing banks; a freeze restricts who can see the file, it does not stop furnishers reporting into it, and the 5-year prescreen opt-out expires. Check again in about 60 days.