Editing Check verification service (section)

===Negative check database===
A negative check database contains a comprehensive list of people who either wrote a bad check at a retail location, paid a bill with a check that was returned,<ref>{{cite web |url=http://www.bankersonline.com/articles/bhv13n09/bhv13n09a23.html |title=Negative Database Defined |accessdate=2010-01-28 |url-status=dead|archiveurl=https://web.archive.org/web/20100127144723/http://www.bankersonline.com/articles/bhv13n09/bhv13n09a23.html |archivedate=2010-01-27 }}</ref> also called "[[Non-sufficient funds|bouncing a check]]".

Historical data check verification services that use a national network with a negative check database can be difficult for consumers and businesses to remove themselves from once they get on, even in the case of errors.{{citation needed|date=January 2012}}

These databases are often bundled with "check guarantee" services like [[ChexSystems]]. This leaves companies that use historical data reliant systems in a position of sometimes denying customers that have a valid check, but managed to get on the negative check database.<ref>{{cite web|url=http://forum.volition.com/topic.asp?TOPIC_ID%3D68845%26whichpage%3D2 |title=Check Declined / Check Card on Same Account Goes Through |accessdate=2010-01-28 |url-status=dead |archiveurl=https://web.archive.org/web/20110717230540/http://forum.volition.com/topic.asp?TOPIC_ID=68845&whichpage=2 |archivedate=2011-07-17 }}</ref>

This type of verification is usually linked to the person writing the check and runs the verification using their [[driver's license]] number.<ref>{{Cite web |url=http://www.encyclopedia.com/doc/1G1-75276418.html |title=Archived copy |access-date=2010-01-28 |archive-date=2022-12-08 |archive-url=https://web.archive.org/web/20221208064704/https://www.encyclopedia.com/doc/1G1-75276418.html |url-status=dead }}</ref> This type of information is a valuable tool for loss prevention because it identifies historically or habitual check bouncers who are more likely to re-offend.<ref>{{Cite web|url=http://www.netfamilynews.org/2008_06_29_archive.html|title = NetFamilyNews}}</ref> Negative check database systems can cause customer service issues between retailers and their own customers, because there is no limit to the time period that is considered.