I'm clueless 
My report only has inq's on it:
(Formerly known as: Credit is my hobby (1.7M)/TCL objective)More information about chexsystems. Time to slow down with these apps I've had 7 inq's on chexsystems this month alone. Prior to that I had one in 2020 and one in 2019 on chexsystems. The inq's got me.
Your Consumer Score
Your consumer score was also obtained and considered in our decision. A consumer score is a numeric reflection of the information in a consumer disclosure report and can change, depending on changes to information in a consumer disclosure report. Scores range from a low of 100 to a high of 899. Please note that when there is insufficient data to generate a score, an exception score can range from 9000 to 9999.
So your score of 9992 (fraud alert) was automatically triggered by the 7 inquiries in one month?
@snickerpedia wrote:So your score of 9992 (fraud alert) was automatically triggered by the 7 inquiries in one month?
I'm not sure of that but I assume the inq's had something to do with the denial. I have zero derogatory items on chexsystems so my thought is its the inq's in such a short time.
So I went ahead and applied for membership last night. Received the common "24-48 hours” message. The thing that drove me crazy from this and another Quorum thread was no firm answer if there was a hard pull for membership. I immediately confirmed they only did a soft pull on my Experian report. Good news for anyone worried about that part.
The second thing worth mentioning is that it’s not necessary to join the partner association, such as American Consumer Council (ACC), prior to starting the Quorum membership application process. Everyone can qualify for ACC as long "you currently use or have used a major consumer product or service in the past 12 months." I just submitted my $8 ACC membership fee via credit card and received an emailed receipt. The ACC membership details should arrive within 24 hours. I will report back on the Quorum membership application. For all I know maybe they want you in the ACC system before approving membership.
@Janneman wrote:
@Stealth-1 wrote:So I went ahead and applied for membership last night. Received the common "24-48 hours” message. The thing that drove me crazy from this and another Quorum thread was no firm answer if there was a hard pull for membership. I immediately confirmed they only did a soft pull on my Experian report. Good news for anyone worried about that part.
The second thing worth mentioning is that it’s not necessary to join the partner association, such as American Consumer Council (ACC), prior to starting the Quorum membership application process. Everyone can qualify for ACC as long "you currently use or have used a major consumer product or service in the past 12 months." I just submitted my $8 ACC membership fee via credit card and received an emailed receipt. The ACC membership details should arrive within 24 hours. I will report back on the Quorum membership application. For all I know maybe they want you in the ACC system before approving membership.what do u mean plz? do we need to hv ACC membership or we dont? if not then how to be eligible for the membership?
There are many ways to be eligible for Quorum membership even if you aren't affiliated from the main SEG affiliation list. Go here: https://www.quorumfcu.org/why-quorum/eligibility. If you aren't sure of the Quorum affiliation the easiest way is to join through a partner association such as American Consumer Council (ACC) - https://www.americanconsumercouncil.org – to be eligible, just confirm that "you currently use or have used a major consumer product or service in the past 12 months." Click the Join Now link. Scroll to the bottom. You pay $8 and at the bottom check all applicable boxes for how you are eligible and qualify. I checked at least 6 boxes on that list. Just a theory, but it’s possible joining ACC first helps for an instant Quorum membership approval (just in case they somehow check the ACC system for an existing membership certificate and number). If not, you can still apply for Quorum membership and then join ACC later.