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Denied BECU Checking/Savings

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Creditaddict
Legendary Contributor

Denied BECU Checking/Savings

I joined the credit union association and then went to BECU to apply for membership and open accounts and was promptly met with:
Key factors that adversely affect your score:
TIME SINCE NON-DDA INQUIRY ACTIVITY
NO EVIDENCE OF ASSET OWNERSHIP
NON-DDA INQUIRY OR RETAIL ITEM HISTORY
DDA HISTORY

 

What do they even mean?

Message 1 of 17
16 REPLIES 16
Anonymous
Not applicable

Re: Denied BECU Checking/Savings

The don't like your Chex file. 

Message 2 of 17
AllZero
Mega Contributor

Re: Denied BECU Checking/Savings

90 days or more interval between checking/savings account open might help. Maybe more time?
Message 3 of 17
Creditaddict
Legendary Contributor

Re: Denied BECU Checking/Savings


@AllZero wrote:
90 days or more interval between checking/savings account open might help. Maybe more time?

The only new in the last 2 years is Chase Private Client Checking and Savings and a Business Savings! ugh, I hate Chex Systems!

Message 4 of 17
AllZero
Mega Contributor

Re: Denied BECU Checking/Savings

Very odd indeed.

Doesn't Chex want one to own a boat to pretty up their file?
Message 5 of 17
Remedios
Credit Mentor

Re: Denied BECU Checking/Savings

Did you move within last year?
Message 6 of 17
Anonymous
Not applicable

Re: Denied BECU Checking/Savings

"TIME SINCE NON-DDA INQUIRY ACTIVITY"


You might want to pull your Chex report. Basically this means someone pulled your Chex for a reason other than giving you a deposit account recently. 

Message 7 of 17
Creditaddict
Legendary Contributor

Re: Denied BECU Checking/Savings

I did not move.

Maybe I’ll call🤦‍♀️
Message 8 of 17
M_Smart007
Legendary Contributor

Re: Denied BECU Checking/Savings


@Creditaddict wrote:
I did not move.

Maybe I’ll call🤦‍♀️

https://www.chexsystems.com

Message 9 of 17
Creditaddict
Legendary Contributor

Re: Denied BECU Checking/Savings


@M_Smart007 wrote:

@Creditaddict wrote:
I did not move.

Maybe I’ll call🤦‍♀️

https://www.chexsystems.com


I requested, thank you!

 

OH, I just remembered I opened a BBT Checking account with my parents address (I bet that's it)

Message 10 of 17
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