Denied bank accounts due to ChexSystems

php111 · ‎11-25-2024

I was denied bank accounts due to ChexSystems for the following reasons:

Scores range from a low of 100 to a high of 899

Your ChexSystems score is 0544

Key factors that affected your score:

DDA CLOSURE(S)

ASSET OWNERSHIP HISTORY

UNIQUE FI DDA INQUIRY HISTORY

DDA HISTORY

Regards to the "ownership history", I have not moved nor there's any ownership changes or anything. In fact, I don't even own the house. How can I even get this fixed?

Thanks for any help!

AndySoCal · ‎11-26-2024

@php111 Get your Chex systems report from here it is free

https://www.chexsystems.com/

The asset ownership maybe derogatory item from previous banking relationship. The report give you guidance on that. I hope I am wrong.

FIC Scores XPN v8 808 V2 831 (SDFCU) TUC V 8 803 03/25 EFX Bankcard v8 822 EFX FIC0 v8 800 Vantage score 4.0 817 via JC Penney )
Discover IT 09/90, 19000, JC Penney 10/2008 4700, US Bank Cash 08/2010 12,000 Citibank Custom Cash 5/2015 11,100 State Dept. FCU 20,000 06/2023 , 02/2024 Redstone FCU Signature VISA 10,000 08/23/2024 Langley FCU Signature Cash Back Visa 10000
Banking: Langley FCU Credit Unions: Lafayette FCU Fortera FCU State Department FCU Pelican State CU Red-stone FCU Hughes FCU
My personal blacklist Axos Bank, Bank of America, Synchrony Bank Capital One TD Bank Comerica Bank BMO

Windchill92 · ‎11-27-2024

Hopefully it's something that's easy to remove from your Chex.

Gardening since 06 Jan 2025; Total Revolving CL: $102.5k
Inquiries: (as of 06 Jan 2025)
EX: 1/6, 2/12, 3/24
EQ: 1/6, 3/12 (2 auto), 3/24
TU: 1/6, 2/12, 3/24