Chex Systems Score

[AndySoCal]

I had requested my Chex Systems score about a week ago. I recieved it today it was 682 with the only reason given is

Insufficient DDA inquiry  activity at the same financial institution.

The Chex System score range 100 to 899

The last DDA account ( checking) was with Discover over 3 years ago.  All other inquires on Chex are savings accounts with a credit union.

In the process of trying to figure out the reason code above I came accross  this article which I fund informative.

https://www.mybanktracker.com/checking/faq/good-chexsystems-qualifile-score-276348 

[GreatLife]

Chex article was an eye opener. Thanks

[GZG]

---

@AndySoCal wrote:

I had requested my Chex Systems score about a week ago. I recieved it today it was 682 with the only reason given is

Insufficient DDA inquiry  activity at the same financial institution.

The Chex System score range 100 to 899

The last DDA account ( checking) was with Discover over 3 years ago.  All other inquires on Chex are savings accounts with a credit union.

---

 what are your chex inquries /6 /12/ /24 /36

chex HP's are still chex HP's savings or checking

personally, your chex file is either:

clean/low inquries

clean/high inquries

or dirty 

I wouldn't put too much stock in the score itself 

[AndySoCal]

@GZG  My inquiries are 2/6 /3/12 4/24 6/36

I presume their 2 in the six months they are for Quorum FCU and State Department FCU which pull Chex per Doctor of Credit. I did those after my last Chex report. I only pulled the score this time.

[Dcowboy08]

I checked mine this morning and received the 9999 score. Not enough info. Banking with Chase for 15 years, personal and business accounts. Four additional CU's for 8+ years. 

I'm on the grid... 

[AndySoCal]

@Dcowboy08 @If my memory is correct Chex retains normal deposit account openings for 3 years. I had some activity in 2021 that is gone. 

[GZG]

---

@Dcowboy08 wrote:

I checked mine this morning and received the 9999 score. Not enough info. Banking with Chase for 15 years, personal and business accounts. Four additional CU's for 8+ years. 

I'm on the grid... 

---

if you haven't opened an account recently or had any check orders reported to chex, you wouldn't have a score for chex

your account activity balances are 100% reported to EWS though, you can request that report and see your accounts there