Short Answer: Kmart does not use TeleCheck to verify personal checks. Instead, the department store chain uses Certegy. For details of check processing at Kmart and more information on how check verification works, see below.
Does Kmart Use TeleCheck?
Kmart does not use TeleCheck to verify and process personal checks, a Kmart customer service representative said. Kmart did previously hold a contract with TeleCheck, but as of this writing, the department store chain uses Certegy.
We spoke with store associates in Arizona, Colorado, Delaware, Idaho, Florida, Michigan, Pennsylvania, and Washington to ask about the check verification process at Kmart. While not all store employees were familiar with the check verification process used by Kmart, those who were confirmed that Certegy was the company used.
How Does Check Verification Work?
Certegy is a check risk management company that helps retailers determine whether or not to accept a check, according to the company’s FAQs. When a vendor scans a check, the information is sent to Certegy. The company’s system runs various algorithms and creates a risk profile of the customer. Based on this profile, a customer’s check will be accepted or declined. Certegy does not publicize details on how this algorithm works to prevent fraudulent check writers from finding a way to bypass the system. However, the company says that this algorithm does not take credit score into account, but may attempt to verify the funds in your bank account.
Obtaining Your Certegy File
The Fair and Accurate Credit Transactions Act (FACT Act) allows consumers to request one free copy of their file from any consumer reporting agency once during any 12-month period. You’re also entitled to a free copy of your file within 60 days of receiving an adverse action notice based on information in your report.
You can request a copy of your file from Certegy by mail, fax, or phone. You’ll find detailed instructions on the Certegy website. To request a copy by phone, contact Certegy at (800) 237-3826. Fax requests can be sent to (727) 570-4936, and requests by mail can be sent to:
Certegy Payment Solutions, LLC
Attn: CFDR Request
P.O. Box 30046
Tampa, FL 33630-3046
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