Opening bank account issue

[Anonymous]

Hi there everyone, I'm new to forum.  I recently had pay off old bank account that was closed out with negative balance, that was back in septemember 26 2020, I was told wait 30 days from the date for chexsystem score to upate. I did and I still get declined. Thank you, Brian

Your Chexsystems Score: 0449

Scores range from a low of 100 to a high of 899

Your Debit Bureau Reference number is 10K655395580

Key factors that adversely affected your ChexSystems score:

• TIME SINCE NON-DDA INQUIRY ACTIVITY
• ASSET OWNERSHIP HISTORY
• UNIQUE FI DDA INQUIRY HISTORY
• DDA CLOSURE PAYMENT HISTORY

[Anonymous]

@Anonymous Sorry about the bank account denial. Its possible that the person was not misleading you on purpose but saying that they might consider your application.

I would suggest being patient and waiting 6 months to a year to try again.

What bank was this? Is there another nearby bank or financial institution that can provide you with the same service?

[SouthJamaica]

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@Anonymous wrote:

Hi there everyone, I'm new to forum.  I recently had pay off old bank account that was closed out with negative balance, that was back in septemember 26 2020, I was told wait 30 days from the date for chexsystem score to upate. I did and I still get declined. Thank you, Brian

Your Chexsystems Score: 0449

Scores range from a low of 100 to a high of 899

Your Debit Bureau Reference number is 10K655395580

Key factors that adversely affected your ChexSystems score:

• TIME SINCE NON-DDA INQUIRY ACTIVITY
• ASSET OWNERSHIP HISTORY
• UNIQUE FI DDA INQUIRY HISTORY
• DDA CLOSURE PAYMENT HISTORY

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You should get your Chex Systems report and file a dispute.

[DaveInAZ]

Good advice above for Chex System. But there's also a competing service called EWS, Early Warning System, that may not have your old negative balance info. Google "banks that use EWS" to find them, mostly larger, nationwide banks.

[Remedios]

What exactly are they supposed to dispute?

OP already stated account was overdrafted, and chex is only reporting that account was overdrafted at some point. 

[Anonymous]

I disputed my chapter 7 with equifax, because it's been 7 years as of november 3rd 2020

[Anonymous]

Oh dame, even if I were to pay off the negative overdraft at my old bank, I still would have to wait for long time.  

[Remedios]

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@Anonymous wrote:

Oh dame, even if I were to pay off the negative overdraft at my old bank, I still would have to wait for long time.  

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Yes, it stays on Chex, just like negatives stay on CR until it's removal time. 

[Anonymous]

If that stays on there, it keeps me from opening new account I suppose.

[FinStar]

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@Anonymous wrote:

I disputed my chapter 7 with equifax, because it's been 7 years as of november 3rd 2020

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Are you looking for an early exclusion?  Ch 7 BK would stay on CRs for 10 years, not 7.