What is up with my ChexSystems????

[CreditCuriosity]

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@Anonymous wrote:

CC ... time for an update on this thread! You were going to be one of those people who: "walk the walk" on this! The whole situation is for the "birds" and it was my hope you could shoot through it all and give us some data points for success

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Thought i did give and update.. Got Pinnacle manager to override Chex to get the account opened also opened another bank account non chex puller and giving my chex 3 month cooldown period at new address and no inquiries then will hit some CU/Bank Acct's up on bonuses ..  See where my "score" is in 3 months will order it to ensure i am not wasting a chex inquiry prematurely.

[Anonymous]

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@CreditCuriosity wrote:

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@Anonymous wrote:

CC ... time for an update on this thread! You were going to be one of those people who: "walk the walk" on this! The whole situation is for the "birds" and it was my hope you could shoot through it all and give us some data points for success

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Thought i did give and update.. Got Pinnacle manager to override Chex to get the account opened also opened another bank account non chex puller and giving my chex 3 month cooldown period at new address and no inquiries then will hit some CU/Bank Acct's up on bonuses ..  See where my "score" is in 3 months will order it to ensure i am not wasting a chex inquiry prematurely.

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Maybe I am experiencing "old age" ... my bad! Appreciate the follow up, you are offering hope that things can get worked around. It takes a tenacious "pit bull" ... make a great house pet for you and keeps away the unwanted

[Remedios]

I recently requested a copy of chex report and score.
The report had nothing but one unexpected inquiry (by discover, I do not have any banking products with them, cc only).
The score is 662, same address for 17 years, no banking issues ever.
The reasons behind score were listed as
TIME SINCE DDA INQUIRY ACTIVITY
INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI

I might be misunderstanding the reasons, but I am reading it as a penalty for recent inquiry (11 months) and sticking with same financial institution for 11 years. Seems a bit contradictory

I am not sure if 662 is a horrible score or not, dont really care.

[CreditCuriosity]

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@Remedios wrote:
I recently requested a copy of chex report and score.
The report had nothing but one unexpected inquiry (by discover, I do not have any banking products with them, cc only).
The score is 662, same address for 17 years, no banking issues ever.
The reasons behind score were listed as
TIME SINCE DDA INQUIRY ACTIVITY
INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI

I might be misunderstanding the reasons, but I am reading it as a penalty for recent inquiry (11 months) and sticking with same financial institution for 11 years. Seems a bit contradictory

I am not sure if 662 is a horrible score or not, dont really care.

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Ya the certainly make understanding it cryptic as stated DD stands Demand Deposit Account so inquiries stay on report fo 5 years with Chex (outrageously long imo).   This one has me a bit puzzled INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI.. FI = financial institution.. no clue what they are really saying there shrug

[Thomas_Thumb]

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@Remedios wrote:
I recently requested a copy of chex report and score.
The report had nothing but one unexpected inquiry (by discover, I do not have any banking products with them, cc only).
The score is 662, same address for 17 years, no banking issues ever.
The reasons behind score were listed as
TIME SINCE DDA INQUIRY ACTIVITY
INSUFFICIENT DDA INQUIRY ACTIVITY SAME FI

I might be misunderstanding the reasons, but I am reading it as a penalty for recent inquiry (11 months) and sticking with same financial institution for 11 years. Seems a bit contradictory

I am not sure if 662 is a horrible score or not.

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A score of 662 is an excellent score - 2nd highest tier. Your Good:Bad odds are 16:1. Address and account stability count a lot.

See links to earlier posts in this thread with score data.

https://ficoforums.myfico.com/t5/Personal-Finance/WTH-is-up-with-my-ChexSystems/m-p/5289696#M24631

https://ficoforums.myfico.com/t5/Personal-Finance/WTH-is-up-with-my-ChexSystems/m-p/5289950#M24651

Below is a link to another CS article.

https://www.mybanktracker.com/checking/faq/good-chexsystems-qualifile-score-276348

[Remedios]

Thank you for the explanation