ChexSystems is a consumer-reporting agency

that gathers information about problems you’ve

had with checking accounts. ChexSystems reports

include, but aren’t limited to, account misuse or

fraudulent activity that has occurred within the

previous five years.

Did you know what is in a ChexSystems Report? OMG!

Here is a short list of the type of info that they are

reporting on you:

Identity information like your name, Social Security number and past addresses
Unpaid negative balances, including overdrafts or accounts closed involuntarily, so if you've ever had a bank account or a credit card that is negative, " forget about it"! (but don't literally forget about it) Chances are, ChexSystems has that information
Suspected fraudulent activity
Account inquiries or applications for other bank accounts
Unpaid fees
Public records