Chexsystems score and its improvements

[FicoMike0]

I'll have to check mine. I think it's in 600s. I have quite a few inqs. I was turned down late last year by key bank for too many chex.  Lucky a lot of banks do ews. Ews banks don't seem to be inq sensitive.

[masscredit]

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@FicoMike0 wrote:

I'll have to check mine. I think it's in 600s. I have quite a few inqs. I was turned down late last year by key bank for too many chex.  Lucky a lot of banks do ews. Ews banks don't seem to be inq sensitive.

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I'm currently going through the list of banks I want to open accounts with and seeing which ones use Chex/are Chex sensitive. I'll have to put them on the back burner for awhile. 

[FicoMike0]

Keep us all posted. I just collected the $600 sub from associated, no problem. I'm looking for my next sub. 

[FicoMike0]

My last score was 662. 

[kremonis]

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@RootDet wrote:

Hard to get Chex INQ's removed. you should have been told the factors for a low score. 

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@RootDet 

I am batting about .500!

[sjt]

I tried to get my ChexSystem Score, and I got a "9999," which basically means that there is insufficient data to score me.

What do they base their score on? Is it the number in inquries and reported information on account conduct?

[xenon3030]

They score is based on badies (inquiry, opened new account, etc). If there is no bad data, you are good to go (division by zero --> the algo is maxed out ).