Chexsystems score

[TrapLine]

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@Thomas_Thumb wrote:

You sure your score wasn't 9999. That's the default value for the 45 percent of the population deemed unscoreable.

Actually the scoring bracket assigned to the OP has a higher good/bad ratio than the unscorable bracket. However, since Chex was developed to detect/flag questionable behavior, I prefer not having any reported scoreable activity.

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In reviewing your comment, I believe my statement should have read "9999" as I was considered unscoreable?!

[Anonymous]

Pulled score today and then opted out of the data sharing and placed a freeze.

682

Reason Code Description
1.GD INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI

[DaveInAZ]

I haven't pulled my Chex report for a year or two, so I pulled it today as football was boring.  Score is 665, with 3 inquires in the past year, I do bank bonuses.

But in the report under "Only seen by you" inquires I see Credit Karma pulls my Chex report monthly. Anyone know how to opt out of that? They sure as heck have no reason to pull my Chex. 

I googled "Why does credit karama pull my chex report?" and got "Credit Karma pulls ChexSystems reports to provide free access to credit scores and free monitoring of financial accounts". Bull manure! Chex has nothing to credit scores, and I don't want or need "free monitoring of financial accounts". That's what Chex & EWS are for. 

[Thomas_Thumb]

Opt out of CK. If you want their service, you sign away your privacy. Make no mistake, CK sells your data.

Of course you can block access to Chex with a freeze and opting out of data sharing.

[Snook_on_the_Line]

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@Thomas_Thumb wrote:

Opt out of CK. If you want their service, you sign away your privacy. Make no mistake, CK sells your data.

Of course you can block access to Chex with a freeze and opting out of data sharing.

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@Thomas_Thumb 

i already froze my Chex 

is opting out of data sharing included in the freeze or is it an additional step that I should take??

[Thomas_Thumb]

They are different.

A security freeze prevents others from opening accounts in your name using Chex data. Per Chex: "An opt out excludes your name from prescreen lists used to send a solicitation of credit or insurance for 5 years".

If you like getting solicitations then no need to opt out. The security freeze is a safeguard against fraud.

[TrapLine]

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@Thomas_Thumb wrote:

They are different.

A security freeze prevents others from opening accounts in your name using Chex data. Per Chex: "An opt out excludes your name from prescreen lists used to send a solicitation of credit or insurance for 5 years".

If you like getting solicitations then no need to opt out. The security freeze is a safeguard against fraud.

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Will guarantee that once the "Opt out" takes hold my prescreened name never brought another piece of insurance or financial mail ... for more than five years. It works well. Be sure it is what you want because it is a long dry spell!

[Zoostation1]

I just pulled my Chex score and report, both have no info.  I wasn't expecting that.

[Snook_on_the_Line]

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@Zoostation1 wrote:

I just pulled my Chex score and report, both have no info.  I wasn't expecting that.

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That's a good thing.    

they pretty much only track negative info and inquiries