@ItsThatEasy wrote:Yeah I think my Chex score was around 665 last time I pulled it may be off a lil but I don't know what's even considers a good ChexSystems score or what the Chex score is even used for. Nothing bad on Chex tho just 4 little inquiries
Two things. Many banks are inq sensitive and when they pull your CHEXS, four in past 6 months are too many for them. I have dealt with this issue. Qualifile- a system they use returns two different outputs of a Chexs pull. It is a score and a detailed report. Some get your scores and will aprove you if it is above 600. I have even gotten in with 584 at SigFCU with 12 inq, US BANK etc.
Then there are those who get a report and and heavily rely upon inq to assess risk. Mostly small banks and CU comes in this braket. They scrutinize the inq.I was denied by few for just 4 in the past 90 days.
Bear in mind some double pull Chexs and EWS. This has happened to me. But I have always had a posityive outcome in branch vs online forexample I was denied by NBT online. I went in and it was approved.
Just so you know only you can see SP, no one else.
What does the AAN says?
Let us know what are you targetting and may be we can help.
