Can check verification companies keep me from opening an account with a financial institution?
It is up to each individual bank and credit union to decide if they want to open an account for you. Reports submitted to these companies generally remain on their files for five years, unless the financial institution or member removes it or the company is obligated to remove it under applicable law. The decision to delete a report is up to each member or subscriber and their individual policies. A member is under no obligation to remove accurate report of account mishandling due to payment.