How To Order A Free ChexSystems Report

Under the Fair Credit Reporting Act (FCRA), you are entitled to a free copy of your report once every 12 months or if you’ve been rejected by a bank in the past 60 days. ChexSystems is not required to provide a free copy of your score, however, so while you can purchase a copy of your score at any time, it will not be included in your free report.

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Upon receiving your request, your ChexSystems report or score will arrive by mail within five business days. Below are instructions for obtaining your information.

MethodRequirementContact Info
Online (Report Only)Complete an Online Request Form.consumerdebit.com
By Phone (Report Only)Follow the instructions of the automated system.800-428-9623
By Fax (Report Only)Print and complete an Order Form.602-659-2197
By Mail (Report or Score)For Report: Print and complete an Order Form.For Score: Print and complete a Score Order Form. Enclose a check/money order for $10.50 made payable to Chex Systems, Inc.Chex Systems, Inc.
Attn: Consumer Relations
7805 Hudson Rd., Ste. 100
Woodbury, MN 55125

How To Get Out Of Or Correct Errors In ChexSystems

There is no easy way out of the ChexSystems database, but there are steps you can take if you are reported in error to the agency. If you don’t recognize a derogatory mark on your ChexSystems report or believe it’s inaccurate, you can report the problem to ChexSystems or to the bank that reported the item you are disputing. To resolve the issue as quickly as possible, we recommend reporting your concerns to both ChexSystems and the bank. See our guide, How To Dispute Information on ChexSystems for further instructions in navigating the process.