Until coming back to this forum last year, I hadn't even thought about checks and/or check-related bureaus like Chex Systems or TeleCheck in eons. I recently decided to request a report from CS, as I had from LexisNexis and several other places. Well, its report came today...and it's not exactly what I expected.
I kept turning its pages waiting to get to the report part of the report...and got to the last page without noticing anything. I went back and started over. That's when I noticed what comprised the report--a few text boxes, such as "Reported Information" and "Inquiries Viewed by Others," ALL of which had this under them: "No information found."
Is this normal? I've had the same checking account at BofA for 30+ years.
I'm not sure what I was expecting, but this definitely wasn't it. I don't write actual checks much any more, maybe one a year under normal circumstances, but I guess I thought there would be information regarding my checking account and how it's been handled.
Okay, now it all makes sense! 
I was expecting a REPORT report, you know? Not just "no information" under every heading. I thought maybe it was a mistake somehow....
Since separating my banking from my [now ex-]husband's, I haven't had any sort of 'baddies' where bank accounts are concerned. No NSF checks, no overdraft fees, no declined checks, etc. So, in my case, I now know it's a *good* thing there was nothing on my report! 
Thanks for the info.
Yesterday, another component of what I'd requested arrived in the mail--it's my Chex Systems consumer score. The paperwork says that scores range from 100-899, the higher the better. My score?
9999! 
(It goes on to say that a score of 9999 means there's insufficient information to create a score. Oh well, I thought I was extremely awesome there for a moment! )
I reviewed my CS report for the first time. It had only inquirty information and all the provided data covered only the past 6 months. Is there any way to get more detailed data, covering possibly the last 5-6 years?
Fico8: EX~EQ~TU~810 (12 month goal~840).
@xenon3030 wrote:I reviewed my CS report for the first time. It had only inquirty information and all the provided data covered only the past 6 months. Is there any way to get more detailed data, covering possibly the last 5-6 years?
According to my Chex System report:
Reported Information ChexSystems' clients, which consist mainly of financial institutions, furnish information on closed checking and savings accounts, referred to as reported information. ChexSystems’ current practice is to retain reported information for a period of five years. The source is under no obligation to remove accurate information, even if paid, but is obligated to update the report with a paid in full or settled in full status and date when applicable.
Inquiries Viewed By Others This section refers to transactions involving you and are the result of someone accessing your ChexSystems information, typically in connection with a business transaction you initiated with them. The company listed on this type of inquiry requested information from your consumer file on the date(s) specified. These inquires may impact your consumer report and may be included in reports to others. These inquiries remain on your file for up to 3 years.
Retail Information Retail Information refers to returned checks reported by retailers and other businesses to Certegy Check Services. ChexSystems receives this information from Certegy Check Services, is not involved in the collection of these items, and retains record of retail information for a period of four years.
So, it looks like 5 years of reporting on closed accounts, 3 years of reporting inquiries and 4 years for bad checks. Of course, this all requires that the bank participates in (or always reports to) ChexSystem. It's basically a negative event reporter so not having data in it is positive.
@Have1 wrote:It's basically a negative event reporter so not having data in it is positive.
^ This is what I didn't realize! I expected a report, good or bad, like credit reports--they report everything, not just negative data.
I'm still glad I ordered it, though, for two reasons: 1) it was free!, and, 2) it confirmed that nothing suspicious has happened using my info.
@SoCalGardener wrote:Yesterday, another component of what I'd requested arrived in the mail--it's my Chex Systems consumer score. The paperwork says that scores range from 100-899, the higher the better. My score?
9999!
(It goes on to say that a score of 9999 means there's insufficient information to create a score. Oh well, I thought I was extremely awesome there for a moment!
Great user experience , obviously they couldn't possibly use something like N/A there! Hopefully somewhere there is a lender who uses the average of three FICOs and CS scores, then you will be all set!