ChexSystems is a company that shares information with financial institutions, and in return those same financial institutions will report to them if they believe that someone is a financial risk. The problems is that the onus is on you, the victim, to prove that the information they hold is inaccurate or out of date, or that you have been the subject of identity fraud. An increasing number of people now experience these kinds of problems, and in more than a few cases, these people are quite innocent of any wrong doing. The fact is that ChexSystems have now become so influential with the banks if they have information on file about you then many banks will not entertain you as a customer, which means you will have difficulty opening a checking account. Vivix Credit Solutions is a credit solutions company that recognizes that sometimes information sharing between financial institutions results in incorrect data being entered on an individual’s credit report. A bad credit rating can affect your finances for years in the future and it is very hard for the individual to get some of these items removed from the report.

Vivix Credit Solutions offers a niche service because very few credit organizations offer help to individuals in getting incorrect and outdated items removed from their credit reports. You can ask to see your credit report free, once a year. While more people now recognize the names of the bigger credit bureaus such as Experian and Transunion, there are plenty of other lesser known agencies like ChexSystems out there who also have access to information databases and produce reports based on that information. Vivix Credit Solutions works to discover which items may be incorrect, if some items should be removed because they are out of date, and whether there is a possibility that you have been the victim of identity fraud.

Vivix Credit Solutions can help to repair your credit history and will communicate with the various agencies involved on your behalf. Nowadays it is almost impossible to get by without a bank account. Many companies pay their employees either by check or straight into their account and their systems don’t allow other methods of payment – which could make your life very difficult. Vivix Credit Solutions may be able to help by discovering whether or not the information this and other agencies hold on you is correct.