{"product_id":"chex-systems-early-warning","title":"Chex Systems \u0026 Early Warning","description":"\u003cp class=\"isSelectedEnd\"\u003e\u003cstrong\u003e\u003cspan\u003e$150 | Includes Two Dispute Rounds\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eHave you been \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003edenied for a checking or savings account\u003c\/span\u003e\u003c\/strong\u003e\u003cspan\u003e, had a bank unexpectedly close your account, or been told that you are unable to open a new bank account?\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eYour traditional credit report may not be the reason.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eBanks and credit unions may use consumer reporting agencies such as \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eChexSystems\u003c\/span\u003e\u003c\/strong\u003e\u003cspan\u003e and \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eEarly Warning Services (EWS)\u003c\/span\u003e\u003c\/strong\u003e\u003cspan\u003e to help evaluate potential customers and identify previous banking activity.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eWhat Is ChexSystems?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eChexSystems is a consumer reporting agency that collects and reports certain information related to your history with banks and credit unions.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eUnlike Experian, Equifax, and TransUnion, which primarily maintain traditional credit information, ChexSystems focuses heavily on your \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003ebanking history\u003c\/span\u003e\u003c\/strong\u003e\u003cspan\u003e.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eInformation reported to ChexSystems may include:\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan\u003eChecking or savings accounts that were closed by a financial institution\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eUnpaid negative account balances\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eOverdraft-related account closures\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eReturned or unpaid checks\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eSuspected fraudulent activity or account misuse\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eApplications or inquiries for bank accounts\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eOther negative banking information reported by participating financial institutions\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eIf negative information appears on your ChexSystems report, a bank or credit union reviewing the report may consider that information when deciding whether to open an account for you.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eWhat Is Early Warning Services (EWS)?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eEarly Warning Services is another consumer reporting company used by many financial institutions to evaluate banking activity and potential account risk.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eAn Early Warning consumer report may contain information related to your previous or existing deposit accounts, account status, account ownership, transactions, and other banking activity reported by participating financial institutions.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eDepending on the information reported, EWS may affect a financial institution's decision when you attempt to establish a new banking relationship.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eWhy Would Someone Be Reported to ChexSystems or Early Warning?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eThere are several reasons banking information may appear in these consumer reporting systems.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eFor example, a previous bank may have reported an account that was closed with a negative balance, repeated overdrafts, returned transactions, suspected account misuse, or other account-related activity.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eIn some situations, the consumer recognizes the account but believes some of the information being reported is \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003eincorrect, incomplete, outdated, or otherwise inaccurate\u003c\/span\u003e\u003c\/strong\u003e\u003cspan\u003e.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eIn other situations, the consumer may not recognize the account or activity at all.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eThis is why obtaining and reviewing your consumer banking reports can be an important step when you are experiencing repeated problems opening a bank account.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eWho Is This Service For?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eThis service may be appropriate for you if:\u003c\/span\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003e\u003cspan\u003eYou have recently been denied a checking or savings account.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eBanks continue declining your applications and you do not understand why.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eA previous bank closed your account and reported negative information.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eYou have negative information appearing on your ChexSystems or Early Warning report.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eYou believe information appearing on your banking consumer report is inaccurate or incomplete.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eYou do not recognize an account or certain information being reported.\u003c\/span\u003e\u003c\/li\u003e\n\u003cli\u003e\u003cspan\u003eYou want assistance reviewing and disputing information you believe should be investigated.\u003c\/span\u003e\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003ch2\u003e\u003cspan\u003eWhat Does the $150 Service Include?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eYour \u003c\/span\u003e\u003cstrong\u003e\u003cspan\u003e$150 ChexSystems \u0026amp; Early Warning Services Dispute Service includes two dispute rounds.\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003ch3\u003e\u003cspan\u003eRound One — Initial Review \u0026amp; Dispute\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eWe review the applicable consumer report and information you provide to identify the items you believe are inaccurate, incomplete, or otherwise appropriate for investigation.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eThe first dispute round is then prepared and sent to the appropriate consumer reporting agency and\/or applicable information furnisher based on your individual circumstances.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3\u003e\u003cspan\u003eRound Two — Follow-Up Dispute\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eAfter the first dispute round, available investigation results and updated information are reviewed.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eWhen appropriate, a second dispute round is prepared to address qualifying unresolved issues, updated reporting, or information that may require additional investigation.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eTwo rounds do not necessarily mean that every item will be disputed twice. Each round is based on the information available and the circumstances of your individual report.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eWhat Happens After the Dispute Process?\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eChexSystems, Early Warning Services, and the financial institutions furnishing information are responsible for conducting their own investigations and determining the outcome.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eDepending on the investigation, information may be verified, corrected, updated, or removed.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cstrong\u003e\u003cspan\u003eDesireGoodCredit LLC does not control the investigation or guarantee deletion of any account or information.\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eWe also cannot guarantee that a particular bank or credit union will approve you for a new account following the dispute process. Each financial institution maintains its own account-opening requirements and makes its own approval decisions.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch2\u003e\u003cspan\u003eImportant Information\u003c\/span\u003e\u003c\/h2\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eThis service is intended to assist consumers with reviewing and disputing banking information they believe may be inaccurate, incomplete, or otherwise appropriate for investigation.\u003c\/span\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cstrong\u003e\u003cspan\u003eAccurate and verifiable information is not guaranteed to be removed.\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cspan\u003eResults will vary based on your individual consumer report, the information being disputed, supporting documentation, and the investigation conducted by the applicable consumer reporting agency or financial institution.\u003c\/span\u003e\u003c\/p\u003e\n\u003ch3\u003e\u003cspan\u003eChexSystems \u0026amp; Early Warning Services Dispute Service\u003c\/span\u003e\u003c\/h3\u003e\n\u003cp class=\"isSelectedEnd\"\u003e\u003cstrong\u003e\u003cspan\u003eInvestment: $150\u003c\/span\u003e\u003c\/strong\u003e\u003cbr\u003e\u003cstrong\u003e\u003cspan\u003eIncludes: Two Dispute Rounds\u003c\/span\u003e\u003c\/strong\u003e\u003c\/p\u003e\n\u003cp\u003e\u003cspan\u003eIf negative banking information may be standing between you and a new banking relationship, this service can help you understand what is being reported and take the appropriate steps to address information you believe is inaccurate.\u003c\/span\u003e\u003c\/p\u003e","brand":"DesireGoodCredit ","offers":[{"title":"Default Title","offer_id":43104943898720,"sku":null,"price":150.0,"currency_code":"USD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0560\/1391\/4208\/files\/Image2-11-26at12.32AM_8f647375-7e89-41b7-b386-1c0415731308.jpg?v=1787869527","url":"https:\/\/shop.desiregoodcredit.net\/products\/chex-systems-early-warning","provider":"DesireGoodCredit ","version":"1.0","type":"link"}