ChexSystems is national consumer credit reporting agency (similar to Equifax, Experian or TransUnion) that focuses on deposit accounts. For a long time you could request your ChexSystems report online, but it would be sent out via mail and would take up to 10 business days. You can now request and receive it online (and save it as a PDF).
Having a copy of your ChexSystems report can be useful for those chasing bank account bonuses as some financial institutions are ChexSystems sensitive (can’t have too many new accounts). Not all financial institutions will pull your ChexSystems report.
Got this error on Chex today.
“Based on your credentials, you are not authorized to view this page.Please contact the System Administrator for assistance”
My credentials are alright. I even tried unlocking the account received the unlock link and went through the steps but still this.
Has anyone seen this error? What does this mean ?
I have had the online account for over a year and it was working fine last month.
I’m not seeing any issue logging in for this household.
See the chat below for a possible solution. I didn’t receive the exact same error that you did but the solution will hopefully be the same.
https://www.doctorofcredit.com/you-can-now-receive-your-chexsystems-report-online/#comment-1766689
I just pulled my Chex report online. I noticed that a recent inquiry that I had was not at the top OR the bottom of the “Inquiries Viewed By Others” section. It was much closer to the bottom than the top though.
I don’t know if this is a one-off situation or if new inquiries will start appearing in seemingly random places in the future. Anyway, this is a PSA to scour your entire report for new inquiries as you never know where they will be hiding.
If you login to Chex, is the restriction of “three online Chex report pulls per 2 week period” still apply? Or does it only apply when you do not have a Chex portal account.
I’m not sure. Once you have portal access, you can go to the Dispute tab anytime and see all the Chex info without doing a full report.
Gadget, thank you for the response. This is very useful to know. I never went to the Dispute tab since I don’t plan to dispute, not knowing it actually provides info contained in the full report without doing a full report.
Based on my observation, Chex report used to list inquiries by descending inquiry date. I just noticed that my last 3 most recent inquiries are listed at the end instead of the top. Since I initially did not scroll all the way down to the bottom of the list, I thought those 3 financial applications did not have Chex pulls.
Just want to share this. May be using a search feature will be better.
Questions:
1) If you apply for a bank account, does the inquiry show up immediately after you apply or does it take x number of business days before it will show up on Chex report?
2) A bank cannot verify you during online application. If you re-apply multiple times on the same day, will those multiple inquiries by the same bank be combined and shown up as ONE inquiry on Chex report?
Yes, the sorting issue with new inquiries going to the end of the list started either late November or early December 2023. I suspect that it will never fix it and this is the new normal.
1. Depends on the bank. Most pull instantly, sometimes before you even hit submit on the application. Others pull it when they review the application. Rarely, some do both, which is really annoying.
2. Yes, typically, same day inquiries do merge. It may take a couple of days.
Has anyone else had their Chex report format change slightly? Mine used to show Inquirer, Phone Number, Inquiry Date, SSN/ID Provided, Address Provided, Phone Numbers, Driver’s License, and State.
My most recent report from 1/30 now only shows Inquirer, Phone Number, Inquiry Date.
While this change does make my report shorter, it removed a lot of useful info to dispute such as if an address or phone number were incorrect.
I never paid much attention to that but yes, I checked my last report from about a week ago and it only had those 3 categories shown.
Yes, it changed a few days ago. I think it was a way to “fix” the fields like email addresses on the individual inquiries that never populated.
https://www.doctorofcredit.com/an-introduction-to-chexsystems-inc/#comment-1787331
Same for me.
Like others I cannot create an online account because a security question has cannot be generated. Chex sent me to IDology but the phone number they gave me was from LexisNexis. I’ve talked to them, authenticated and they told me that my profile is too small/clean and thus they cannot generate any security questions.
They redirected me to IDology but couldn’t give me a number – called them, left a message and soon called back and told I need to talk ChoiceTrust and was given a phone number which turns out to be the same as LexisNexis consumer risk division.
Didn’t pursue any further.
tl;dr it’s lexis nexis that reports too little info (for whatever reason) and there doesn’t seem to be a way to unblock
ChexSystem is also an archive of 24 months? I am familiar with the 5/24 Chase rule for CC and I understand LOL/24 means laughable amount of CC opened in the last 24months but I dont know if ChexSystem soft pull the Credit Score bureaus or only its own data and it happens to also be a 24month list…
Beside this, can someone tell me, related to ChexSystem:
1- what is the best way to deal with ChexSystem at all? can I also monitor it online as I do with my CS (using CreditKarma and Experian for example)?
2- what platforms can I use?
3- I understand I could freeze it, should I always have it frozen?
4- What happens if I have it frozen before applying for ChexSystem sensitive vs non sensitive bank accounts?
Thanks.
Chex holds more than 24 months. It has 36 months of inquiries, & up to 5 years of derogatory info. People just use the “LOL/24” moniker to mean they aren’t counting and probably not sure. One person’s “LOL” is likely a much smaller number than the next person’s, so it’s basically useless. I usually just say I average 2 Chex inquiries per month, but it varies. Banks don’t typically say how far they are looking back. Occasionally a loose-lipped banker will say “X” months, but it’s not verifiable and approval criteria can change. Also, it’s likely fair to say a bank is not counting back to 36 months of inquiries so that much history is usually irrelevant. bicyclep
Also, if you are just wanting to monitor your Chex, you can sign up for OnAlert. It’s free for those who were affected by the MidFirst Bank data breach. Unlikely the sign-up is actually verified as a breach victim, so probably anyone can use it. bicyclep
OnAlert is discussed here:
https://www.doctorofcredit.com/monifi-250-checking-bonus-available-nationwide/#comment-1680567
You are correct, I signed up for OnAlert and was not affected by the data breach.
There is always a chance they boot ya later on or ask for three easy payments of $19.99/year… but, thank you for the DP! 🙂
Always been my thinking that after a year or so they’d pull the plug on us.
Anyone know how long it normally takes for an inquiry to be removed after a dispute is submitted? Is disputing via phone quicker than the portal? Thanks! mothman69 ShawntheShawn Eric Gadget - Bank Bonus Geek
The bank/CU has up to 30 days to respond and 21 days in Maine…
If the bank/CU confirms, it could be gone sooner. If the bank/CU says it’s valid, it stays.
Chex oddly calls it a “reinvestigation” when you submit a dispute. Not sure why it’s not an “investigation”.
I’ve never submitted via phone. I would have a hard time keeping a straight-faced convo.
Once upon a time, I saw a YouTube video that suggested you submit Chex disputes via Snail Mail… giving the bank/CU less time to respond. And, doing the disputes online makes it too easy to deny the removal. I cannot confirm any of that is factual or helpful.
I believe that Chex gives the FI 30 days from the date of the dispute to respond. In the 1 case that the FI did not respond, Chex removed the inquiry. Which FI did you dispute from?
In my experience, I generally received the mailed result from ChexSystems in about 3-4 weeks after filing a dispute. For a successful dispute, it means they must have removed it before mailing the letter. Sometimes when I requested my Chex report, I noticed that a disputed inquiry was already removed, so I knew my dispute was successful before hearing back from ChexSystems.
As others said, after you file a dispute, ChexSystems will give the bank some time to investigate and respond. So I do not think disputing via phone will lead to a quicker resolution.
Thanks, everyone! I’ll just dispute it online.
vc, you def should dispute online. If you do it via mails, people can go through your mailbox. They can even take checkbooks from your mailbox. It’s crazy. People would steal mailed checks from USPS mailboxes. Look out for yourself. vc
I tried to login to Chex and after clicking on “Confirm Details” (after there was a green spinning circle for a few minutes), I received the below error.
I tried in multiple browsers, cleared my browsing history, called tech support and nothing helped. Did this happen to any of you? If it still doesn’t work tomorrow, I will probably need to call tech support again.
“Your request could not be processed because of a technical issue. Please try again later or contact ChexSystems at 800.513.7125.”
I’ve had the same problem for the past year or so. I have to request my report while logged out and I only get the option to receive it via mail.
Keep me updated if you call and get it figured out.
That’s an ominous sign for me. You never had access though, correct? Of course this happened after I kept on bragging about how I received my report within seconds.
I’ve had difficulties ever since signing up for a Chex login. There was a single time about 6-7 months ago that I was able to randomly login and successfully generate a report online, but I have no idea why that was. The next day it was back to not working and hasn’t ever since.
I have an update. I still was having the problem late last week so I called Chex again. I told them that clearing my browsing history, requesting a new code, etc. all failed to fix the problem.
The woman that I spoke with told me that I would receive an email by yesterday with information about the problem. I did not receive an email so I just called them again.
I spoke to a different rep and he told me that Chex never corresponds by email so the woman was mistaken. After a long wait, he told me to try again. I did and I was able to get online after 2 login attempts.
He said that they fixed the problem behind the scenes but did not notify me. I suggest that you call and go through all of the steps that they request and then (if they don’t work), call back and they should be able to eventually fix it.
I just hope this problem does not recur.
My advice to everyone else is DO NOT close the browser while the “Confirm Details” page is loading. It could be just be a coincidence, but my problems occurred after I did this.
Thanks, I might finally give in and call.
Eric Wow you’re right, their customer support seems to have their shit together now because I recall calling them back when my issues first started and got nowhere. I called yesterday and they said they’ll open a ticket and that I should try again in 1 business day. I tried logging in this morning and it finally works!
EDIT: might have spoke too soon, I get an error message when trying to open the Dispute tab
Now we are on the same boat (edit: not necessarily as you still have to test if you can receive your report online almost instantly or you have to wait a few days like me). Not being able to access the Dispute tab is not much of an issue for me, so I am leaving it as it is. But if you plan to make another call about it and they are able to fix it, please let me know and I may call them as well. mothman69
ShawntheShawn I still need to call them back about the Dispute tab problem, but yes it does take a few days for my report to show up after being requested. Would be nice for it to be instant like P2, but I’m just happy to have the digital report at all.
ShawntheShawn I also requested my Chex Consumer Score Disclosure Report, however I received two different reports: one in my name and one for someone with a different Consumer ID named Sarah in TX whom I do not know. Maybe our profiles have erroneously been linked somehow and this is causing the issues with disputes and instant reports? I will ask about this when I call again.
Have you tried requesting your Consumer Score Disclosure Report?
That’s interesting! I had requested my score report in the past and only got mine, but that was before I registered on the portal. I only request my score once a year, I will try again in the portal for this year. mothman69
ShawntheShawn I called again and asked about the dispute tab not working. They said something to the effect that there were minor details on my Chex profile that required manual review and that the Chex Portal AI cannot load inquiries to dispute until my profile is corrected. They said they would enter a ticket to have that looked into but wouldn’t tell me what details on my profile needed manual review although I asked multiple times. They also said they would enter a ticket to look into why I received someone else’s score report. The support reps are definitely reading from pre-made scripts and it’s difficult to get straight answers from them.
Thanks for the update, mothman69. At least they seem to be doing their job. I hope they will fix it for you soon.
Received one and only one Chex score report for myself. So the delay in receiving Chex reports must be caused by the “minor details” issue that requires manual review every time as you were told. mothman69
Sort of. Do you mean after logging into your actual portal acct? I used to just request the report and viewed it online without creating an acct. But, about a month ago, I got an error both times that I tried. Site said reports would be mailed. Rep said that I could always just sign up for a portal acct and view reports in the portal. I’ve been able to view reports there w/o any issues.
Yes. Every time that I login, Chex has me “Confirm [my] Details”. I hate that they do that as that screen takes forever to load.
Today, after I clicked on “Confirm”, I received that error. I spoke to a rep for a while and nothing that he told me to do helped.
I’m hoping that this will get fixed as I like being able to view my report online within seconds instead of having to wait more than week for it to be mailed.
It’s also nice having easy access to dispute reports while logged in.
Yes, I forgot that it does take forever for that screen to load. I tried to check just now for you, but it’s making me enter an email address. I made them remove it. Gadget - Bank Bonus Geek When ppl pull your chex, can they see the email address? I assumed that they could bc it’s on the report, along w addresses, but Chex claims that they can’t. I never had the email address on my report til I signed up for the portal.
I imagine it depends on the bank’s system… if it shows your PII is shown when reviewing the Chex entries.
Personally, I am not worried if they see my email address. All banks ask for an email address these days. If a bad actor is using a different email address, the bank should ask the question.
I looked back a year ago and my email address was on my Chex report. I don’t think I had Chex portal access at that time. For the individual Chex inquiries, the email address is blank, “no information provided” on the spot. I am sure that is a future feature they plan to implement.
EWS shows the email address for EACH account. Those are the suckers you should be mad at… privacy-wise… with all ACH transactions showing.
Funny thing I noticed about my Chex score:
I had my Chex frozen and requested a score report. It came back with a score of 708. Three days later I thawed Chex, had NO additional changes to my report in that time, requested my score, and it’s back down to my normal-ish 601 score. I guess if I freeze my Chex and run the report again, it would prove that freezing your report helps your score.
Such a joke of a scoring program! The good thing is most banks/CU’s don’t go by score.