Maxwell, Turner &

Associates explains
ChexSystems
What is ChexSystems?
ChexSystems provides deposit account verification services to its financial
institution members to aid them in identifying account applicants who may have
a history of account mishandling (for example, people whose accounts were
overdrawn and then closed by them or by their bank). ChexSystems is also
licensed to do business as ChexSystems Collection Agency providing debt
collection services to members participating in this service.

Is ChexSystems a credit bureau?

ChexSystems is a consumer-reporting agency governed by the Fair Credit
Reporting Act (FCRA) and other laws. ChexSystems Collection Agency is a debt
collector subject to the Fair Debt Collection Practices Act (FDCPA) and other
laws. The Federal Trade Commission enforces the FCRA and FDCPA.

How long does the report stay on file?

How do I get it deleted?
Each report submitted by Maxwell, Turner & Associates to ChexSystems
remains on our files for five years, unless the bank or credit union that filed the
report requests its removal or ChexSystems becomes obligated to remove it
under applicable law. The decision to delete a report is entirely up to each bank
or credit union and its individual policies.

I paid the bank. Why wasn't the report removed?

A reporting member is under no obligation to remove an accurate report of
account mishandling due to payment of monies owed. However, if a collection
amount is reported, the member is obligated to mark the account as paid.
How can I see what is in my file?
You can order a copy of your report from ChexSystems.

How do I dispute information?

ChexSystems Consumer Relations Department helps people who believe their file
contains misinformation. Visit disputes for more information.

Why do I have to give you personal information, like my

social security number and drivers license number?
ChexSystems ask for this information to ensure that they make a complete and
accurate search and are able to identify all information that may pertain to you.

Why did you tell the bank not to open an account for me?
ChexSystems neither approves nor declines accounts for banks and credit
unions. The decision is entirely up to them.

Why wasn't my ChexSystems report removed when I filed

bankruptcy?
A bankruptcy filing only affects the collection of outstanding debts. It does not
require the removal of accurate factual information concerning your account.

Why can't I get a copy of my spouse's report?

ChexSystems is required by law to deal directly with the individual to whom the
information pertains. They strictly adhere to this to protect consumer privacy.
To discuss the information with anyone else, ChexSystems must receive a
notarized Power of Attorney or specific written instructions, signed by the
consumer whose information is being requested, authorizing ChexSystems to
disclose the information to the person named in the Power of Attorney.

What does NSF activity mean?

NSF or non-sufficient funds activity refers to overdrafts that occur on an
account. Maxwell, Turner & Associates vigorously pursues those individuals that have a well
documented bad check writing history.
Do I pay ChexSystems or the bank?
It depends. If your report contains a record of an outstanding debt and you have
received collection notices from Maxwell, Turner & Associates, you pay
Maxwell, Turner & Associates directly by sending your check or money order to:

Maxwell, Turner & Associates, Inc.

438 E Shaw Ave Suite 138
Fresno CA 93710

In other cases, you pay the bank or credit union directly.

How do I add a statement to my file?

You are entitled to add a brief statement to your consumer file describing the
nature of your dispute of the information. If you wish to add a statement to your
file, you must submit your statement in writing with a clear indication that you
wish the statement to be added to your file, ensuring that you sign the request. If
you would like assistance in writing a clear summary of your statement, you may
contact ChexSystems or obtain the assistance from your Attorney.

How do I contact ChexSystems?

CALL
ChexSystems
Consumer Relations
1-800-428-9623
(Recording only-Instructions)

WRITE
ChexSystems
Attn: Consumer Relations
7805 Hudson Road, Suite 100.
Woodbury, MN 55125

FAX
602-659-2197
Inquiry about negative information on file:
Information you will have to send if you have been rejected by a bank or you
have received notification that there is negative information on file that shows
you still owe a bank money.

Either send your request in writing or by fax. Make sure you have available the
following information to submit to them:

• your full name and any alias names used

• your current and prior address (5 years)
• your social security number
• your driver license and/or ID card number
• any business you signed on during the pass 5 years.

We hope that you can resolve your personal problem. If we can assist you
further, please contact this office by phone, e-mail, or in writing.