![]() For example, if a bank or credit union turns you down for a checking account based on a report, the bank has to give you a notice that includes the name and contact information of the checking account reporting company that provided the report. You are also entitled to a free copy if you have received an “adverse action” notice. You also have the right to request a copy of your report from other checking account reporting companies, although some may charge you a fee. You have to request the reports individually from each company. By law, you have the right to request a free copy of your checking account report every 12 months from the nationwide checking account reporting companies.In many instances, you will be able to request a free copy of your report: Tip: Get more information about how banks or credit unions use these reports. ![]() See a more complete list of consumer reporting companies. The contact information for these companies is below. These companies include Chex Systems, Early Warning Services, Certegy, and Telecheck. Checking account reporting companies compile these reports using information from other banks and credit unions about consumers’ checking account and transaction history. Some banks and credit unions use checking account reports to help decide whether to offer consumers a checking account.
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