offices header
 

Additional Credit Reports

The three major credit bureaus are developing a new extended credit report that is supposed to include billing information and history on your various accounts, such as telephone, power, and cable television bills.

Another financial history report is ChexSystems. ChexSystems is used by financial institutions such as banks and credit unions to evaluate potential customers. The report includes information on your banking history and includes any overdrafts, bounced checks, and/or closed accounts that you might have had. Information is reported by your bank and will stay on your report for five years unless the institution requests removal or ChexSystems is required by law to remove the information.

ChexSystems is covered by the Fair Credit Reporting Act, so disputes should be handled in the same way as your credit report. You should also include contacting ChexSystems in your ID theft plan.

For more information, visit http://www.chexhelp.com/ or call the ChexSystems Voice Response Unit at 800.428.9623.

 
 

© 2014 Hampshire College 893 West Street Amherst, MA 01002 . 413.549.4600