Chex Systems Report

[kr43002]

I was denied an account at a credit union because of chex systems. I reached out to chex systems and got access to a report that only showed inquirys not "negative" account information  like their statement of reasons of why my score is to low to join. I did include a bank that I overdrafted then got a loan on the overdraft to resolve the negative account in my bankruptcy. Is that is what is reporting? How do I see what the "negative" account information is so I can verify its correct.

[Anonymous]

The CU could be inquiry-sensitive. How many inquires do you have?  

[kr43002]

The statement of reasons doesn't state inquiries it states:

* Poor Checking Account history with Others.

I doubt it has anything to do with the inquiries

@Anonymous 

[FireMedic1]

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@kr43002 wrote:

I was denied an account at a credit union because of chex systems. I reached out to chex systems and got access to a report that only showed inquirys not "negative" account information  like their statement of reasons of why my score is to low to join. I did include a bank that I overdrafted then got a loan on the overdraft to resolve the negative account in my bankruptcy. Is that is what is reporting? How do I see what the "negative" account information is so I can verify its correct.

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Thats probably why. Even though you resloved it.

[kr43002]

where can I see this information though and verify it? That is not listed on what I saw from chexsystems

What I see is

1.EG Time Since Non-DDA Inquiry Activity

2. EJ Non-DDA Inquiry or Retail Item History

3. EB DDA History

4. EH Unique FI DDA Inquiry History

with a score of 0527. 

That is Consumer Score Disclosure Report and the other one from Chex systems website just listed inquiries. I have no idea what is actually on my report, so I can't see if its incorrect or not.