topic Chex systems inquiry but not being told who requested it in General Credit Topics

Chex systems inquiry but not being told who requested it

AzCreditGuy — Tue, 19 Sep 2023 17:54:44 GMT

Upon chcking my Transunion report for changes I need to remove old addresses and a phone # that is no longer mine, I found the following that has never really been on my credit report before:

Checking Account and Demand Deposit Account (DDA) Activity

Data Source:

Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)

Requested by:TRANSUNION CONSUMER INTE

Requested on:08/05/2023

Credit Inquiries in the Last Year:1

Credit Inquiries in the Last 3 Years:1

Other Credit Inquiries in the Last 2 years:1

Other Credit Inquiries in the Last 3 Years:1

DDA & Credit/Non-DDA Inquiries in Last 3 Years:1

I called Transunion to see who did this request and they told they couldnt furnish that info? I than called Chex Systems to see if they could tell me who requested this. Seems they had my address wrong and wouldnt give me the address they had on file, so I requested a consumer report to see what they currently have on file.

I am thinking that B of A did a request as they are the only Bank that I see under Account Review Inquiries: 08/05/2023, 06/08/2023, 04/19/2023, 03/19/2023, 01/22/2023, 10/26/2022, 08/29/2022, 06/27/2022

Bank of America seems to be checking my account a lot and for no reason as I dont carry any debt on my personal CC or Business secured CC

In fact all direct despoits are being routed to my US BANK account since they gave me a Business secured CC and I didnt want to give them anymore business or deposits....I have left my personal account with $11 and all banking mins have been met with the direct deposits

Re: Chex systems inquiry but not being told who requested it

GZG — Tue, 19 Sep 2023 18:34:33 GMT

https://www.chexsystems.com/

who pulled your chex?

I'd start there and see who it might have been

Re: Chex systems inquiry but not being told who requested it

AzCreditGuy — Tue, 26 Sep 2023 15:52:04 GMT

I just received my Chex systems report, it was pretty clean minus an old address that is no longer valid. But everything is clean.

The thing is the Transunion chex inquiry doesnt even appear on my Chex systems report? I am a little confused?

I did have a hard inquiry from a Business loan application I did with a company that stated they only do SP on business credit reports, they didnt even mention Chex systems.

Re: Chex systems inquiry but not being told who requested it

GZG — Tue, 26 Sep 2023 16:27:33 GMT

@AzCreditGuy wrote:
I just received my Chex systems report, it was pretty clean minus an old address that is no longer valid. But everything is clean.

The thing is the Transunion chex inquiry doesnt even appear on my Chex systems report? I am a little confused?

I did have a hard inquiry from a Business loan application I did with a company that stated they only do SP on business credit reports, they didnt even mention Chex systems.

neither on the HP or SP section of chex?

the TU report only shows the last entity that SP'd your Chex through TU, and I wonder if CK is who made that request through TU or something and they don't list themselves as CK on the TU report

but it looks like people pulling chex have a way to do so combined with TU, so it's probably like a service they offer, so TU pulls it on behalf of a bank/creditor and they send that info off to the bank/creditor along with a TU pull

soft chex pulls below

image.png

Re: Chex systems inquiry but not being told who requested it

AzCreditGuy — Tue, 26 Sep 2023 16:55:52 GMT

@GZG wrote:
@AzCreditGuy wrote:
I just received my Chex systems report, it was pretty clean minus an old address that is no longer valid. But everything is clean.

The thing is the Transunion chex inquiry doesnt even appear on my Chex systems report? I am a little confused?

I did have a hard inquiry from a Business loan application I did with a company that stated they only do SP on business credit reports, they didnt even mention Chex systems.
neither on the HP or SP section of chex?

the TU report only shows the last entity that SP'd your Chex through TU, and I wonder if CK is who made that request through TU or something and they don't list themselves as CK on the TU report

but it looks like people pulling chex have a way to do so combined with TU, so it's probably like a service they offer, so TU pulls it on behalf of a bank/creditor and they send that info off to the bank/creditor along with a TU pull

soft chex pulls below

image.png

image.png

image.png

Yes I see that on my report as well and understand that the Inquired viewed by others are HARD and I only have 1, the rest are soft. But on my Chex report I see zero for 08/05/23 for both hard and soft pulls

Re: Chex systems inquiry but not being told who requested it

gorgon — Wed, 27 Sep 2023 13:45:52 GMT

I had forgotten all about ChexSystems until this thread. I got my report and it was pretty much empty except the Transunion via Credit Karma soft pulls several times since January of this year.