TeleCheck
What You Need to Know About TeleCheck

Most people know nothing about TeleCheck until it is to late and the meeting is not a happy experience. If you have ever been declined when writing a check at a local merchant, then you have been declined by TeleCheck.

Who or What Is TeleCheck

TeleCheck is a consumer reporting agency that is owned by FirstData and they collect, maintain and reports data about consumer check writing transactions and banking history.

TeleCheck allows merchants to screen checks written by consumers thus allowing them to make a decision on whether or not to accept that check based upon risk calculations.

Why Was My Check Declined

When you write a check, the merchant runs the check through TeleCheck and a decision is based upon several factors and a risk scoring system. While we can not know the scoring model, the score is based upon past history, if you have a current file and other guarded reasons.

The frustrating thing is that a denial does not mean your check is bad, it could simply mean that they do not have enough information about you to complete their process. Imagine, they will embarrass you by declining your check in public over not having enough information about you, sad but that is how it goes. You know the check is good, but the people around you do not and think badly or feel sorry for you based upon TeleCheck and their lack of information about you. Should be some recourse I know, but probably will never happen.

How Do I Contact TeleCheck

You can contact TeleCheck through their web site (here - link opens in a new window) or with the following information

Mail:
TeleCheck Services, Inc.
5251 Westheimer
Houston, Texas 77056

Telephone: 888.612.7431

If you would like to get a copy of your TeleCheck report, you can do so at this link (opens in a new window)

TeleCheck What You Need to Know About TeleCheck

Who or What Is TeleCheck

TeleCheck
What You Need to Know About TeleCheck