What is ChexSystems?

Our bank partners use ChexSystems, a database of past retail banking history, to determine your eligibility for a Credit Builder Account. ChexSystems is a nationwide specialty consumer reporting agency under the Federal Fair Credit Reporting Act (FCRA). If you’d like to learn more about your ChexSystems report, please contact them directly.    

If, while viewing your report, you discover errors, you have the right to dispute any inaccurate information contained in your ChexSystems report. If you’d like to learn more about your ChexSystems report, you can request your consumer disclosure report here.

Here’s some important information to know about ChexSystems: 

  • ChexSystems is not a collections agency

  • ChexSystems will never contact you to collect a debt and does not make unsolicited calls to consumers

  • ChexSystems will never require payment from you in order to investigate the accuracy of consumer reporting information. Nor will it ever require payment in order to remove inaccurate information. 

If you are looking for information on why your Credit Builder Account application was denied, please visit this page

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