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Welcome to checking-plus

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Welcome to checking-plus

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About Us

Be Free Again

Understanding chexsystems

Many people feel as if they have been found guilty without a trial when they find out they have been reported to chexsystems.  Most people search online for facts and assistance to be removed from chexsystems.


While there are some places that will try to sell you a service to remove you from chexsystems, the fact is that there is NO GUARANTEE for removal, so do not be scammed!  Chexsystems is a credit reporting agency the same as Equifax, Experian and TransUnion. It is your right to a free annual chexsystems report the same as all other credit reports. But because chexsystems is a credit reporting agency, there can be no guarantee of removal. If your report shows a date older than 5 years then you should already have been removed. If for some reason the record was not removed, you should not file a dispute. Instead send in a letter that requests removal due to the report being more than 5 years old.


Again, it is your right to dispute your chexsystems report.


1. It does not matter if you still owe the reporting bank(s)

2. It does not matter what the report indicates (fraud, nsf, account abuse etc)

3.It does not matter how old your report is


We have been helping those reported to chexsystems since 1999. We are a group of people dedicated to helping others and putting a stop to companies that try to prey on the Victims of Chexsystems.


On this site you will learn how to dispute with chexsystems and get free sample letters to help you through this process.


Why do we help??


We believe Chexsystems is not a fair system.   

Many have objected to its reporting practices.  They state the system does not report fairly, and unlike credit bureaus which have both positive and negative information on your credit report; Chexsystems only contains negative information.  This jeopardizes your reputation as a consumer, when you would otherwise be qualified to open checking accounts. 

On this site you will find the help that you need to be free again! 


When you apply for a bank account, most financial institutions will screen your application by checking your banking history. About 80 percent of all banks in the U.S. use ChexSystems data for this process and the company holds records on more than 300 million consumers. Other banks use Early Warning Systems, Telecheck, or a credit report that will also sometimes show information from your chexsystems report.  There are some banks and credit Unions that do not check your banking history at all. 


ChexSystems is not responsible for the decision made by banks to deny you a bank account. But  the information reported by banks and credit unions and stored by ChexSystems can result in a denial of an account.


The following information may be stored in your ChexSystems report:


Paid and Unpaid insufficient fund items (“NSF”)

Excessive “NSF” charges, even though you may have covered all of those charges

Checking account habits that your bank may consider negative

Any kind of Fraud ,,, sometimes a fraud alert will be placed on an account if you apply for too many checking accounts in a short time frame. 

Uncollected overdrafts and charged off accounts

Abuse of Debit Card, Savings Account or ATM Card

Violation of any banking rules and regulations

Opening an account with false information

Excessive ChexSystems Inquiries that generally will come from applying for too many accounts


According to their current policy, each entry in your report will be deleted after five years unless noted otherwise in the table above. With that said, you must be careful as to not restart the clock.  Chexsystems can not remove you unless the bank that has reported you tells them to. The only other means of removal is through the dispute process.  Many banks not use a score from to determine if they can open an account for you or not. ChexSystems calculates a score of your banking history that they call the QualiFile Consumer Score. An increasing number of banks now use this score to evaluate your risk as a prospective customer. The score ranges from 100 to 899, with a higher score indicating a better risk profile.


Frozen Accounts

Another important fact to be aware of with ChexSystems is that your current bank accounts could be closed due to what is reported by another bank in your report. For example, if an individual has accounts at multiple financial institutions and just one account is in bad standing, he or she could wake up to the shocking news that other banks have frozen these accounts.

Some banks and credit unions perform periodic random sweeps on accounts. where they will routinely recheck customers to see if they have been reported to ChexSystems. When a bad report is found, even an old account from the past that has not yet been removed, it can jeopardize your existing accounts. I can't tell you how many people have told me over the years that they have had their accounts frozen and later closed due to ChexSystems.  This is why I suggest to NEVER  have all your money in one bank while you are reported to ChexSystems.  


Ordering Checks from a Safe Company

Those who have been reported to ChexSystems need to be cautious when ordering checks from well known companies such as Deluxe  and many others. Order checks from companies that do not share your personal information with ChexSystems. Ordering checks from companies that share your information with ChexSystems may end up getting your current bank account closed, even if your checking account is in good standing. Protect your accounts and yourself at all times. 

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