TeleCheck

What is TeleCheck?

TeleCheck is a consumer reporting agency that keeps a record of your banking habits as reported by the banking relationships and financial institutions you’ve done business with.

Banks and credit unions report information relating to how you’ve managed your banking accounts to Telecheck or ChexSystems. These financial institutions report information such as excessive overdrafts, account abuse, and unpaid, non-sufficient fund fees to Telecheck.

When you apply for a new bank account and use Telecheck as part of their verification process, you may be ineligible to open an account.

As a consumer reporting agency, Telecheck must follow the FCRA rules for reporting only accurate, verifiable information. You have the right to request a free copy of your report and dispute inaccurate information and errors.

How to Request Your Free Telecheck Report

  • Go to the Telecheck website and request your report online
  • Request your report via mail. Send the request for your file report to:

TeleCheck Services, Inc.
Attention: Consumer Resolution Services
P. O. Box 6806
Hagerstown, MD 21741-6806

If you prefer to mail your request, you must include the information below:

  • a daytime contact phone number
  • a copy of your driver’s license
  • your social security number
  • a copy of a voided check

Telecheck will ask for your personal information to validate the information by unique identifiers such as a driver’s license, social security number, or bank number. They ask for this information to ensure that the search conducted will be complete and accurate.

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