topic Chexsystems security freeze in General Credit Topics

Chexsystems security freeze

MidnightOwl — Mon, 12 Apr 2010 00:30:09 GMT

I had no Idea that chexsystems allow you to place a security freeze on your file. I was on a different forum & they were discussing the security freeze. Apparently, the freeze won't work with your current bank that you have accounts with but, it blocks other banks from seeing the information when applying for new checking/savings accounts. I put the freeze on my report yesterday & I'll give it a test run by applying for a new checking account with another institution. It'll be interesting to see if it works.

Re: Chexsystems security freeze

ncks — Mon, 12 Apr 2010 01:00:40 GMT

How do you had the freeze?

Re: Chexsystems security freeze

MidnightOwl — Mon, 12 Apr 2010 01:18:22 GMT

I just went to the chexsystems site & it gave me the freeze option.

Re: Chexsystems security freeze

tray — Mon, 12 Apr 2010 01:35:43 GMT

That is good news to hear, keep this forum posted. I also have a paid insufficient funds bank issue on chexsystems and I wanted to open up a chase checking account due to an offer I recieved but could not do it because of chexsystem data on me. If this goes through for you, I am going to do the freeze. Good Luck

Re: Chexsystems security freeze

Anonymous — Mon, 12 Apr 2010 18:54:50 GMT

any luck obtaining a checking account with the freeze?

Re: Chexsystems security freeze

Anonymous — Tue, 13 Apr 2010 15:02:54 GMT

Here's the link to the Security Freeze info on the ChexSystems website.

https://www.consumerdebit.com/consumerinfo/us/en/chexsystems/securityfreeze/index.htm

Re: Chexsystems security freeze

MidnightOwl — Tue, 13 Apr 2010 20:13:55 GMT

Ok, I gave the security freeze a couple of days to go through so, I decided to test it by applying for a checking account with US Bank. When I applied last year with US Bank I was turned down immediatley because of chexsystems but, I just applied online today 04/13/2010 and I was instantly approved for a checking account. Apparently, the freeze does work. Just to let you know, I applied the same way last year too which was online.

Re: Chexsystems security freeze

Anonymous — Wed, 14 Apr 2010 19:07:13 GMT

Surviving the OFAC check is probably a bigger accomplishment when opening a new account.

Re: Chexsystems security freeze

tray — Thu, 15 Apr 2010 00:12:06 GMT

@MidnightOwl wrote:
Ok, I gave the security freeze a couple of days to go through so, I decided to test it by applying for a checking account with US Bank. When I applied last year with US Bank I was turned down immediatley because of chexsystems but, I just applied online today 04/13/2010 and I was instantly approved for a checking account. Apparently, the freeze does work. Just to let you know, I applied the same way last year too which was online.

That is so great, but one question did it result in a hard pull on any of your credit reports for the new checking account. If not then I am going to do the same as I want a chase checking.

Re: Chexsystems security freeze

MidnightOwl — Thu, 15 Apr 2010 00:23:40 GMT

I have no inquiries on my reports because I put a security freeze on transunion,equifax & experian. I know it sounds crazy but, they approved me without any checks on the regular cra.

OMG!!!

Anonymous — Tue, 20 Apr 2010 04:03:11 GMT

OMG!

It does work! I applied with USbank right now and I was immed given my checking/savings account numbers online. Just hoping they don't close the account in a week or so.

Thanks

Re: Chexsystems security freeze

Mysstee — Tue, 20 Apr 2010 17:19:07 GMT

This is a good idea. But how would this affect me if I was trying to obtain a mortgage.

Re: Chexsystems security freeze

Anonymous — Sat, 24 Apr 2010 21:11:30 GMT

@Mysstee wrote:
This is a good idea. But how would this affect me if I was trying to obtain a mortgage.

ChexSystems, AFAIAA, is only pulled by banks when you open a deposit account (checking, savings, CD, et al.)

Re: Chexsystems security freeze

Anonymous — Tue, 17 Nov 2015 16:30:22 GMT

ressurecting a dead thread.

I don't know how much has changed but if you do a credit freeze and freeze credichex, any random identity thief can theoretically create a bank account and start using it for their gain. right?

Re: OMG!!!

Anonymous — Mon, 26 Dec 2016 07:08:50 GMT

Hey,

I'm just seeing this and have had a ton of issues with banks closing accounts on me BC of checksystems of EWS. I just placed a freeze and wanted to know how long I should wait before applying for a checking account at US Bank? Did you account stay open? Any other banks that this worked with?

Re: OMG!!!

Anonymous — Mon, 26 Dec 2016 07:10:12 GMT

Hi,

I just followed your instructions and frooze my CheckSystems. Did US Bank open your account and keep it open? Any other banks this worked with?

Thank you!