You have a right to place a "security alert" in your Chexsystems report, which will warn anyone who receives information from your report that your identity may have been used without your consent.
Recipients of your consumer report are advised, but not required, to verify your identity prior to entering a business relationship.
They will require that you provide a notarized affidavit (sample affidavit) in order for your alert to remain on file for five years. If they do not receive the notarized affidavit, your alert will remain on file for ninety days. You can print the notarized form online as well and then have it signed by a notary.
The security alert may prevent accounts and services from being approved in your name without your consent. However, you should be aware that taking advantage of this right may delay or interfere with timely approval from any user of your consumer report that you wish to do business with.
If you place a security alert on your consumer report, you have a right to obtain a free copy of your consumer report at the time the security alert expires. Once your security alert has been submitted, all requests to change any information on your security alert must be received in writing and must be accompanied by your Social Security number and password.
