Chexsystems score

[Snook_on_the_Line]

@FicoMike0 ,

     Let us know the score when you find it 

that way we'll get to see a comparison between no neg info and two inquiries & no neg and 8 inquiries 

[FicoMike0]

Ok, the number is 662, range 100 to 899 the rest;

Consumer Score Disclosure ReportChexSystems Consumer ScoreScore:0662Date Score Was Created:05/06/2024Chex Systems, Inc. (ChexSystems) consumer scores range from 100 to 899, with a higher score indicating a lower risk. The ChexSystems consumer score and scoring model may be different than the score used by a recipient of your consumer report. Because a consumer score is merely a snapshot of a consumer report at the time the score was calculated, the score will change to reflect changes in the report. There are a wide variety of scores available, and each client may use a different score or may give more or less weight to the score they use in relation to other factors.NOTE: A score of 9999 is an indication that there is insufficient information in ChexSystems files to create a consumer score.Factors That Affected ScoreThe factors affecting the consumer score are listed below in order of impact, with number 1 being the greatest impact.Reason CodeDescription1.GB TIME SINCE DDA INQUIRY ACTIVITY2.GD INSUFFICIENT DDA INQUIRY ACTIVITY SAME

[FicoMike0]

So, 662, scale of 100 to 899,

Reason codes;

1.GB TIME SINCE DDA INQUIRY ACTIVITY

2.GD INSUFFICIENT DDA INQUIRY INQUIRY ACTIVITY SAME FI

[FicoMike0]

Update, the score 662 goes with a brand new report, still "No Information Found", now with 11 inquiries. I opened accounts with six of the 11. It's up to 11 pages now.

The soft inquiries are many repeats of two of the six banks plus TransUnion LLC and credit karma.

[masscredit]

I'm wondering how quick Chex scores recover. Seems like it might be pretty quick. My scores over the last few months have been -

4/22/24 - 715 - Probably had 7-8 inquiries in a month (have been doing sign up bonuses)

7/12/24 - 596 - Don't know how many

8/30/24 - 673 - Just counted 13 in 5 months 

Notes for the recent report are -

1.GD	INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI
2.GB	TIME SINCE DDA INQUIRY ACTIVITY
3.GE	RECENT UNIQUE FIDDA INQUIRY HISTORY

[FicoMike0]

Btw, penfed didnt pull chex.

[Windchill92]

Locked my Chex after the recent NPD breach. Score is @ 665.

[NoHardLimits]

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@Windchill92 wrote:
Locked my Chex after the recent NPD breach. Score is @ 665.

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I also froze my ChexSystems after the breach.  My score was 9999.  Reason code 1.Z3  Insufficient Data Found.

[Snook_on_the_Line]

I also locked mine.     

Not as easy as a cra freeze tho.    

they provided a 12 character hex freeze id number and a 12 digit numerical PIN number needed to un freeze it. 

[MissLiz]

I pulled mine on 8/12/2024. Why on earth is my score so terrible?