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There have been many posts asking what the difference is between Teletrack and Telecheck - I thought it might be helpful to have this information as a sticky to clear up any confusion.

This nationwide database is used solely by payday lenders, some rent-to-own retail stores, and a few other high-risk lenders. If your payday lender uses this database, and you default on their loan (or in some cases, just tick them off by paying late), they will report their experience with you to Teletrac, which will make it difficult to obtain another payday loan. But if you're here, then you're probably looking to get OUT of the payday lending trap, right? So if you never intend to ever take out another payday loan, having your name on Teletrac shouldn't be a problem.
Teletrac does not report to credit bureaus, so this has no effect on your credit report, or your ability to obtain a bank account.

Telecheck or Chexsystems:
These nationwide databases are used by banks to report their experience with their customers. If you have fraudulent activity on a bank account, your account is closed due to NSF checks with a negative balance, and you don't pay it right away, the bank will report this to Telecheck or Chexsystems. Having your name on this database will make it difficult to obtain a checking account in the future, until you pay it off and have your information removed from their records.

Our member, Goudah2424, has compiled a list of banks that do not use Chexsystems to verify new accountholders, and it's been very helpful! However, it would be wise to pay off the debt reported to Chexsystems or Telecheck, to avoid any future difficulty.

Could you please give me the list of banks that don't use chexsystems for bank applicants per your information. It stated your memeber Goudah2424 has formed this list which has been very helpful to many. I am sure it has been helpful. Thanks.

Sub: #11 posted on Fri, 09/19/2008 - 11:13


I would like to find out some information on what is wrong with my account as I did not know there was a problem with my account until I went to use it again this evening at a local store and got denied.
I would like to know how to get a phone number to talk to someone in person to find out the problem so I can correct the problem.

Sub: #12 posted on Mon, 12/22/2008 - 16:43


Can someone provide me with the phone numbers for TeleChex and Teletrac? Thanks.

Sub: #13 posted on Tue, 12/23/2008 - 21:15

sdchargers_63 sdchargers_63

(Posts: 1798 | Credits: )

I was wondering if my checks were paid

Sub: #14 posted on Tue, 02/17/2009 - 09:33


william Kellum, we are not Telecheck/Chexsystems. You have to contact your bank to see they paid your checks.

Sub: #15 posted on Tue, 02/17/2009 - 09:44

beli2005 beli2005

(Posts: 882 | Credits: )

Is there a website where i can order a teletrack report for myself?

Sub: #16 posted on Fri, 05/29/2009 - 15:46

crestoration crestoration

(Posts: 17 | Credits: )

I was the victim of ID Theft which has landed me in the Telecheck & Chexsystem databases; even though I have proven to them that I was a victim of ID Theft and that I didnt even live or work in the areas the accounts where opened in my name they refuse to remove the fradulent information from their databases and as such I cant open a bank account.

Sub: #17 posted on Mon, 01/17/2011 - 08:15


I guess you have been a victim of identity theft. Have a word with an attorney in this regard and check out how you can remove your name form the Telecheck & Chexsystem databases.

Sub: #18 posted on Mon, 02/21/2011 - 02:12


Really Sticky buddy.. :)

Sub: #19 posted on Tue, 04/19/2011 - 04:34


This was a super helpful post. Thank you very much for making this info available!

Sub: #20 posted on Wed, 01/25/2012 - 10:49

camille.mccutcheon camille.mccutcheon

(Posts: 3 | Credits: )

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