I've got a (perhaps) unusual question, hopefully it makes sense to you all.
My Chex report is clean, no overdrafted accounts or whatever. I tried to open a wamu checking+savings account online (for the 3.75% rate!). I had some problems funding the account so I had to go through the application several times, but eventually the system blocked my social security number as a fraud prevention measure.
I got concerned that each time I went through the ID verification they may be pulling a chexsystems report, so I got my free one in the mail. There were 3 inquiries from wamu on it (and 1 from a Citibank CD I opened in Dec)- I've heard of people getting denied based on chex records, but like credit reports, would too many inquiries be a problem? Also, is there a way to dispute these if they are all from a 10 minute time period and get them consolidated into one, or would Chex/Wamu say it's correct?
Also what's interesting is there is no record of me opening my accounts with BOA, Chase, local CU, or USAA (all in the past 18 months). I'm surprised that none of these institutions pull Chex... am I missing something?
