Part of the Specialty Credit Reporting Agencies Guide.
Early Warning Services (EWS) is owned by several of the largest U.S. banks and compiles banking history — including declined checks, account closures, and fraud flags — used by over 2,500 financial institutions to vet new account applicants. It functions similarly to ChexSystems but operates as its own separate consortium-owned bureau.
Contact Information
| Method | Details |
|---|---|
| Website | earlywarning.com |
| Phone | 800-745-1560 (also listed as 800-325-7775 for report requests) |
| Fax | 480-656-6850 |
| Mailing address | Early Warning, Attn: Consumer Services, 5801 N Pima Road, Scottsdale, AZ 85250 |
How to Pull Your Report
Request your report via phone, mail, fax, or the Secure Transfer Portal at consumerservices.earlywarning.com. Reports typically arrive by mail within about 15 days, and EWS never charges a fee for disclosure.
Freezing Your EWS File
EWS does not offer a formal "freeze" the way ChexSystems does. Instead, consumers dispute inaccurate information or add alerts directly through Consumer Services using the contact methods above.
How to Dispute an Error
Submit disputes online, by mail, or through the secure portal, including your Consumer ID and any supporting documents. EWS must investigate within 30 days and will correct or delete inaccurate items at no charge.
ChexSystems vs. EWS: the two agencies operate independently and pull from different data. Being clear with one does not guarantee you are clear with the other — check both if you have been denied a bank account. See ChexSystems Explained for the companion process.
Specialty Agencies — All Guides:
