topic Re: What is a debit report? in Credit Card Applications

What is a debit report?

Anonymous — Sat, 24 Oct 2015 17:36:57 GMT

So I messaged my school's credit union to try to find out if membership was a hard or soft pull and they responded by saying its actually a debit report? Never heard of this before so can someone give me some insight into what this is and if it shows up on my credit report as a hard pull? Also the credit union is IUCU or Indiana University Credit Union.

Re: What is a debit report?

ErikaC1 — Sat, 24 Oct 2015 17:44:41 GMT

They might be referring to ChexSystems? If you go there you can see all the banks you've had a relationship with. You can get a free report.

@Anonymous wrote:
So I messaged my school's credit union to try to find out if membership was a hard or soft pull and they responded by saying its actually a debit report? Never heard of this before so can someone give me some insight into what this is and if it shows up on my credit report as a hard pull? Also the credit union is IUCU or Indiana University Credit Union.

Re: What is a debit report?

Anonymous — Sat, 24 Oct 2015 17:46:36 GMT

I've heard of Chex, but never have pulled a report? What could possibly be bad on a Chex report? And I'll pull my report today to see what's on it and post back with some info on it.

Re: What is a debit report?

ErikaC1 — Sat, 24 Oct 2015 17:54:05 GMT

For me personally, it showed all the banks I had accounts with, my adresses, and a check that came back returned. That was my bad, I wrote it thinking it would take a few days to post. I did not know it existed. It was nice to see so I know what is correct and what is not.

Re: What is a debit report?

Anonymous — Sat, 24 Oct 2015 18:05:05 GMT

I just ordered my report online, but it said that it's going to be mailed to me? Is that correct?

Re: What is a debit report?

ErikaC1 — Sat, 24 Oct 2015 18:26:17 GMT

Yes it is correct.

@Anonymous wrote:
I just ordered my report online, but it said that it's going to be mailed to me? Is that correct?