Search

Here is why you just can't seem to get your credit card charge off deleted from your credit report

Updated: Aug 13

Check and Bank Screening Consumer Reporting Agencies

Banks and credit unions use check and bank screening reports to help decide whether to offer consumers a checking account or to cash a check. For example, you may have negative information in your report if you had a checking account before and you have an unpaid negative balance on that account, such as from an overdraft that you have not repaid and the account was closed or if you were suspected of fraud related to the account. If you have been a victim of bank and/or check writing fraud, or have had prior difficulties opening or closing a bank account (such as being denied an account), review your check and bank screening report(s) and dispute them if inaccurate.



Certegy Check Services Collects check writing histories and provides check screening services primarily for retail merchants and gaming establishments who accept checks as payment. Free report: The company will provide one free report every 12 months if you request it.


Website

AskCertegy.com

Phone

800-237-3826

Address

Certegy Check Services Attn: CFDR Request

P.O. Box 30046

Tampa, FL 33630-3046


ChexSystems Provides account verification services primarily for financial institutions. Collects and reports data on checking account applications, openings, and closures, including reasons for account closure. When you apply for a new checking account many banks and credit unions will refer to this database to help inform whether to approve your new account. ChexSystems is affiliated with Fidelity National Information Services, Inc. (FNIS). Free report and score: The company will provide one free report every 12 months if you request it. A free score will be provided upon request too.

Freeze your report:


Website

chexsystems.com

Request report form Request score form Security freeze information Security freeze form

Phone

800-428-9623 or 800-513-7125

Address

ChexSystems, Inc. Attn: Consumer Relations

7805 Hudson Road, Suite 100

Woodbury, MN 55125


CrossCheck, Inc. Provides check verification and guarantee services primarily for automotive sales and repair, building supply, home improvement, retail, medical, dental, and veterinarian industries. Free report: The company will provide one free report every 12 months if you request it.

Website

cross-check.com

Phone

800-843-0760

Address

CrossCheck, Inc.

Attn: Consumer Inquiry Department

PO Box 6008

Petaluma, CA 94955-6008


Early Warning Services Assists financial institutions, check acceptance companies such as retail merchants, payment processors and other financial entities in detecting and preventing fraud associated with bank accounts and payment transactions. Early Warning is co-owned by Bank of America, BB&T, Capital One, JPMorgan Chase, PNC Bank, U.S. Bank and Wells Fargo.


Free report and score: The company will provide one free report every 12 months if you request it. The company will also provide a deposit risk score if you request it.


Website

Earlywarning.com

Phone

800-325-7775

(Option 4)

Address

Early Warning Attn:

Consumer Services Department 16552 North 90th Street

Scottsdale, AZ 85260


Global Payments Check Services, Inc. Provides check screening and verification services for various consumer-facing industries.

Free report: The company will provide one free report every 12 months if you request it.


Website

Globalpaymentsinc.com

Phone

800-638-4600, x410

Address

Global Payments Check Services

Inc. Attn: FACT ACT Support PO Box 59371

Chicago, IL 60659


TeleCheck Services Assists retailers, financial institutions and other businesses in reducing fraud and other risks associated with accepting payments and opening accounts using check writing, and other checking account related information. TeleCheck is a wholly owned subsidiary of First Data Corporation.

Free report: The company will provide one free report every 12 months if you request it.


Website

FirstData.com/telecheck

Phone

800-366-2425

Address

Telecheck Services, Inc. Attn: Consumer Resolution Services

P. O. Box 6806

Hagerstown, MD 21741-6806


#consumerreportingagency #disputecollections

3 views

©2012-2020 by Milam Business Management.com./ Scorez  Up *All Rights Reserved

MENU

FOLLOW US

  • Facebook
  • YouTube
  • Instagram

INFO

Credit Repair Organization Act

FCRA

CONTACT

7633 Knightdale Blvd. Suite 103-E

Knightdale, NC, 27545

AFFILIATE

Call: (866) 202-0113

Fax: (919) 400-4609

Subscribe