How long do inquiries stay on Chexsystems report?

[CreditOCDinCali]

I'm having difficulty getting a bank account due to "too many inquiries on Chexsystems report". I successfully had a "suspected fraud" mark from BofA removed from chexsystems now I'm running into a different issue. What can I do? I almost had luck with a credit union, but she said the back end wouldn't override it. I can't believe they won't let me open up an account because of "too many bank inquiries"; there are about 20-25 inquires on my report. I'm at my wits end. My chexsystems report is clean. I took 2 steps forward just to take 3 steps back. :-(

[granny031350]

five years is the length of time for bad checks etc and could be the same for inquiries.   I have never heard of chexsystems taking on inquiries but times do change.     I would write chexsystems a letter and say hey, what the heck and see if they won't override some of those inquiries for you.   Inquiries for what?     And if that doesn't work, piggy back on someone elses account.   I had my daughter open one up and she put me on as authorized user.   It was always my account with her name on it.   In a couple of years, she removed her name. (well actually I opened up my own and we closed that one out)  And that got me through.

[CreditOCDinCali]

Chexsystems has a record of all the banks where I tried to open an account at. The banks can see all these inquiries. I guess it's making them suspicious. I've been calling around and there might be a credit union that can help me.

[Anonymous]

If you just need a checking account try Capital One 360.

[Anonymous]

Wow. That's crazy. I didn't think Chexsystems kept an "inquiry profile". If you do not have any other negative info contained in your Chexsystems file, like bad checks, I can't believe based on just inquiries no one will allow you to open a bank account. It's got to be more. How did you end up with 20 - 25 Chexsystems inquiries ??? Did you really apply to open 20 - 25 accounts with 20 - 25 different banks ??? If you only have inquiries with Chexsystems, than you would've been approved early on by one of the first 5 banks. I don't understand how you ended up with that many inquiries ???

[Anonymous]

There are actually several websites that list banks and credit unions that dont pull chex. Just google banks that dont pull chexsystems

[vanillabean]

Of those 20-25 inquiries, when is the oldest dated?

[CreditOCDinCali]

The inquiries date all the way back to 2012 when BofA first reported me. I tried a lot of banks and none would open an account. I did the same thing this year. I found this forum and wrote a goodwill letter to BofA so they agreed to delete me. I still have those inquiries on Chexsystems prior to BofA removing my name and the bank can see all these inquiries.

[Pway]

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@CreditOCDinCali wrote:
Chexsystems has a record of all the banks where I tried to open an account at. The banks can see all these inquiries. I guess it's making them suspicious. I've been calling around and there might be a credit union that can help me.

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Yes Chex keeps a record of the inquiries when one open or tries to open a checking or savings account.  It was brought to my attention when a banker pointed it out to me and when I obtained a copy of my chex resport sure enough there was those inquiries.

[Callandra]

Google tells me that inquiries on Chex can stay on your report for up to 3 years. 

Are there any banks/CUs that don't pull Chex? Otherwise, you might just want to wait a little longer for some of them to fall off.