Chex is subject to the FCRA, so at the very least one should be able to appeal (Chex) on the basis of inaccurate information, and to get a report from Chex expl

Chex is subject to the FCRA, so at the very least one should be able to appeal (Chex) on the basis of inaccurate information, and to get a report from Chex explaining the information they have on you. As well, if a bank denies you a checking account due to a Chex report, the bank is under obligation of letting you know why (again, thanks to the FCRA). Now, this doesn't mean that it's _fair_ (it isn't), but the law does offer you some measure of transparency.