checking accounts

[Anonymous]

hi-- can anyone tell me if opening abank account puts a hard ding on your report.

thanks

[Tuscani]

Yes it can.

[Anonymous]

thanks tuscani--the real deal is --my account was  in new hampshire for years and live in CT so branch kept losing my deposits. Told me to switch to CT so mistakes on their part would stop.  Did not know I would need hard one--maybe soft.  Equifax holds everything against you.

[Anonymous]

Pleasant surprise...I opened a business checking a few days ago and expected to see a hard inquiry on one of my reports...but to my surprise and delight...nothing has appeared....

[fused]

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ObsessedwithmyFico wrote:

Pleasant surprise...I opened a business checking a few days ago and expected to see a hard inquiry on one of my reports...but to my surprise and delight...nothing has appeared....

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Good! I have real issues with banks harding you when opening up new checking and savings accounts.

[Anonymous]

depending on business your name or business name would be dun and bradstreet

[Anonymous]

i couldn't believe my bank gave me a hard since i already had an account and had to change state because of their errors. i think the cra thinks it was a loan of some kind. does anyone know?

[MidnightVoice]

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casinoannie97 wrote:

i couldn't believe my bank gave me a hard since i already had an account and had to change state because of their errors. i think the cra thinks it was a loan of some kind. does anyone know?

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The CRA thinks an inq is an inq.  Adding a cell phone line, switching to cable TV, opening a new bank account, getting utilities hooked up, are all "seeking for credit" to a CRA and FICO

[Anonymous]

THANKS BUT MY CABLE, PHONE, LAST BANK ACCT., WERE ALL SOFT.  I JUST SIMPLY DO NOT UNDERSTAND.

[MidnightVoice]

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casinoannie97 wrote:

THANKS BUT MY CABLE, PHONE, LAST BANK ACCT., WERE ALL SOFT.  I JUST SIMPLY DO NOT UNDERSTAND.

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Then you are lucky.  Try Cingular for a nice hard inq