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Your ChexSystems report has no direct impact on your credit score. However, if you've been denied a checking or savings account and have a ding on your ChexSystems report, it may be a sign that you've had difficulties in the past that may also have an impact on your credit history.
How long do you stay on ChexSystems? Usually five years. Although federal regulations allow ChexSystems to keep records for up to seven years, the agency keeps them for five.
ChexSystems is a consumer credit reporting agency that tracks activity related to closed checking, savings, and other deposit accounts at banks and credit unions. If you've ever had issues with a deposit account, such as a bounced or returned check, it's possible that you might have a ChexSystems profile.
How long does the closed account stay on ChexSystems file? Our current practice is to retain record of reported information for a period of five years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy.
If there's an item on your ChexSystems report that you can't have removed manually, it usually takes five years for it to fall off your report on its own. Unfortunately, this may limit your options to second-chance bank accounts and prepaid debit cards.

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5 Steps to Clear Up Your ChexSystems Record Request your report. Dispute errors. Pay off debts. Ask creditors to remove information. Wait until the record drops off the database.
5 Steps to Clear Up Your ChexSystems Record Request your report. Dispute errors. Pay off debts. Ask creditors to remove information. Wait until the record drops off the database.
How Long Does a Report Stay on File? If there's an item on your ChexSystems report that you can't have removed manually, it usually takes five years for it to fall off your report on its own. Unfortunately, this may limit your options to second-chance bank accounts and prepaid debit cards.
How long does the closed account stay on ChexSystems file? Our current practice is to retain record of reported information for a period of five years from the report date unless the source of the information requests its removal or ChexSystems becomes obligated to remove it under applicable law or policy.
5 Steps to Clear Up Your ChexSystems Record Request your report. Dispute errors. Pay off debts. Ask creditors to remove information. Wait until the record drops off the database.

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