If you have been in a store and you get to the counter and are told they will not accept your check this is generally due to a company called Telecheck. Many banks and credit Unions use this reporting systems now to open accounts, much the same as ChexSystems. Like ChexSystems, Telecheck is a consumer reporting agency (CRA) that focuses specifically on consumer information related to checks and bank accounts.Many retailers can use Telecheck to determine how risky it is to accept someone’s check, making a decision on the spot whether or not they’ll accept it as payment. Some banks and other financial institutions use Telecheck when deciding whether or not they should allow a consumer to open a checking account. Most people who have been reported to ChexSystems and not Telecheck will look for banks or credit unions that use Telecheck to open an account at.
Telecheck reports up to 7 years but unlike ChexSystems and Early Warning Services, they will remove you if the reporting bank is paid. Telecheck is also considered a consumer reporting agency and are regulated by the Fair Credit Reporting Act (FCRA). You are able to dispute an item in the Telecheck system just like ChexSystems.
To get a copy of your Telecheck report, send a letter to:
TeleCheck Services, Inc.
Attention: Consumer Resolutions-FA
P.O. Box 4514
Houston, TX 77210-4514
You’ll need to include information to help TeleCheck confirm your identity::
(1) your daytime phone number
(2) a photocopy of your driver’s license
(3) your social security number
** DO NOT send them a copy of a voided check** Simply tell them you do not have an account.
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