Being denied checking accounts — “Unable to Verify Identity”???

[TeenWolf]

I've recently been denied checking accounts at several banks/CUs, and the reason given is some form of "Unable to Verify Identity". None of my reports are frozen and there are no fraud alerts on them.

I pulled my Clarity report and there seem to be a few anomalies:

1. a "No Score" for the "Clarity Score"

2. for "Months at Employer", it says "0 Months" --- should be 15 years

3. for "Months at Address" it says "0 Months" --- should be 15 years

4. there is no information in the "Income", "Banking", or "Accounts" fields.

I've never pulled my Clarity report before, so I'm not sure how accurate it's supposed to be, or what information is usually included. Any advice on what to do? The banks won't give me any information.

[Anonymous]

Have you tried applying in the branch

[FinStar]

Unfortunately, banks/CUs won't really have clear guidance on Clarity or the others since they're not repositories of the data. They simply attempt to access or verify things from a variety of sources.

Have you obtained copies from ChexSystems and/or EWS? How about LexisNexis? Any of those frozen?