How do I access my spouse's report?

Due to identity theft concerns and respect for individual privacy, Chex Systems, Inc. is required by law to only deal directly with the individual. And as such, even parents/guardians and family members are not entitled to another individual's report.


However, exceptions can be made with a legal and notarized Power of Attorney and with specific written instructions that are signed by the individual allowing only the person providing the Power of Attorney access to their file.

If you're looking for a Power of Attorney form, you can request a form from a notary, attorney, or find one online.

How do I change my file at Chex Systems, Inc?

When there are discrepancies with your file at Chex Systems, Inc., you can add a statement to your file describing your version of the dispute or concern. This is important as it could provide clarity to any future audits or requests for your information from member financial institutions. Many individuals have had success with after updating their files with a personal statement.

To add a statement, you will need to contact Chex Systems, Inc. directly on the process to fill out some paperwork and make sure that you sign it before sending it in.

How can I stop getting so many pre-approval letters from credit card companies?

Believe it or not, you can control the amount of junk mail, especially pre-approved credit offers with one call. The Fair Credit Reporting Act (FCRA) allows companies to mail you offers based on your credit score. Therefore, the average household receives over 1,000 unsolicited offers for credit cards, loans, and insurance in an average year!

To help save the environment, protect yourself from the possibility of identity theft, and more importantly, your sanity, you may "opt-out" of these offers. By doing so, it will prevent third-party companies who you have not given permission to look-up your credit score and send you junk mail.

To get started, call the FCRA at 1-888-5-OPT-OUT (1-888-567-8688). You may also opt-out with Chex Systems, Inc. at 1-877-OPT-OUT-5 (1-877-678-6885).

Who is Chex Systems?

Chex Systems, Inc provides depository account verification services to banks and finance companies to help them identify applicants who may have a history of mishandling their accounts. Examples of mishandling include repeated attempts to write checks with insufficient funds, writing checks against an account that is closed, or writing checks for large amounts immediately after opening the account.