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DansDeals Forum => Credit Cards => Topic started by: Boruch999 on December 11, 2017, 11:19:31 AM

Title: ChexSystems
Post by: Boruch999 on December 11, 2017, 11:19:31 AM
If just been declined my second bank account app.  Both claimed a negative ChexSystems report put seemed to indicate that ChexSystems just returns a negative, no details.  I ordered a report from ChexSystems after the first decline and can't see anything unusual on it.  I can't find any way to get ChexSystems on the phone.  Any ideas?
Title: Re: ChexSystems
Post by: PillanSmye on December 11, 2017, 12:57:03 PM
Have you been churning bank account SUBs?
Title: Re: ChexSystems
Post by: Boruch999 on December 11, 2017, 01:04:23 PM
No. Have gotten one in the past five years and attempted another.  There are a a lot of inquiries (11 since Dec 2014.)
Title: Re: ChexSystems
Post by: Boruch999 on December 11, 2017, 02:47:56 PM
I found a human to talk to at a number in the fine print at the bottom of the report and confirmed there are no mismanaged accounts or outstanding debts on the report.  That leaves the high number of inquiries.  Several are for accounts I opened for businesses with EINs. Are those supposed to show up on my report?
Title: Re: ChexSystems
Post by: ludmila on December 12, 2017, 12:55:51 AM
I found a human to talk to at a number in the fine print at the bottom of the report and confirmed there are no mismanaged accounts or outstanding debts on the report.  That leaves the high number of inquiries.  Several are for accounts I opened for businesses with EINs. Are those supposed to show up on my report?
Even if they did , this is not a reason for a bank to deny opening an account.
Title: Re: ChexSystems
Post by: Boruch999 on December 12, 2017, 08:55:27 AM
Even if they did , this is not a reason for a bank to deny opening an account.

Chex Systems rep (India based, sounded like) said that is what it had to be.

Both banks incredibly tight lipped about it, seemed like the people I was able to talk to could not see the report. No recon or anything like that.