Re: WTH is up with my ChexSystems????

Anonymous · ‎07-13-2018

CC ... looked up the official statement: "Once your request has been received, ChexSystems will send a response to you via U.S. mail within 5 business days." Note, they are located in Woodbury, MN which is a suburb of the Minneapolis-StPaul area and has access to the main USPS post office in Minneapolis, MN.

Anonymous · ‎07-13-2018

@Anonymous wrote:
CC ... looked up the official statement: "Once your request has been received, ChexSystems will send a response to you via U.S. mail within 5 business days." Note, they are located in Woodbury, MN which is a suburb of the Minneapolis-StPaul area and has access to the main USPS post office in Minneapolis, MN.

Key words being "will send" -- no warranty made on when it will arrive.

CreditCuriosity · ‎07-13-2018

So got my report today and well here it is... So so nasty, not...

Inquiries on file that other lenders can see:

10 inquiries (expected more and a few were duplicates a day or two apart thanks CU's) 7 of those in the last year is all meaning 12 months....

Time in months at inquiry address : 1 (should be 3 months)

Number of address changes reporting in last 12 months: 1 (new house)

# of address changes in last 60 months: 2 (huge i tell you)

total number of properties owned: 1

wealth index: 5 (1 = low 6=highest) so not doing to bad lol?

total number of non derog records: 5

total number of derog records: 0

total number of lien records : 0

total number of bks: 0

total number of evictions: 0

Yep I am a bad bad person to society as you can tell.. Has to be the **bleep** score with address change???

I would think any bank manager in their right mind would override the **bleep** declines now that i have the report thoughts?

Gmood1 · ‎07-13-2018

I don't get why you were denied?
Maybe you picked two banks that are anal about Inqs. Doesn't make sense to me.
Wealth index is waaaaaay off. Yours is a 10 out of an index scale 1 to 6. What's wrong with these people?😂

I wonder why mine didn't show anything the last time I checked...blank. I should have a crap ton of Chex pulls on my report.

CreditCuriosity · ‎07-13-2018

@Gmood1 wrote:
I don't get why you were denied?
Maybe you picked two banks that are anal about Inqs. Doesn't make sense to me.
Wealth index is waaaaaay off. Yours is a 10 out of an index scale 1 to 6. What's wrong with these people?😂

I wonder why my didn't show anything the last time I checked...blank. I should have a crap ton of Chex pulls on my report.

Not sure some pull chexsys some pull EWS or none of above i suspect..

I think I know what it is.. I bet they added my new address when i requested the report hence the 1 month at address vs. 3 months+ at new address I bet the address wasnt on their file is my guess causing score or whatever to tank..

That is the only thing I can think of now which bank manager do I want to kiss my arse Transportation CU, 5/3rd or Simmon's since they all turned me down to chexsystem report due to address most likely not being reported to it (this can't be uncommon as people build houses all the time!!!)

Pikaboo-icu · ‎07-14-2018

@CreditCuriosity wrote:
@Gmood1 wrote:
I don't get why you were denied?
Maybe you picked two banks that are anal about Inqs. Doesn't make sense to me.
Wealth index is waaaaaay off. Yours is a 10 out of an index scale 1 to 6. What's wrong with these people?😂

I wonder why my didn't show anything the last time I checked...blank. I should have a crap ton of Chex pulls on my report.
Not sure some pull chexsys some pull EWS or none of above i suspect..

I think I know what it is.. I bet they added my new address when i requested the report hence the 1 month at address vs. 3 months+ at new address I bet the address wasnt on their file is my guess causing score or whatever to tank..

That is the only thing I can think of now which bank manager do I want to kiss my arse Transportation CU, 5/3rd or Simmon's since they all turned me down to chexsystem report due to address most likely not being reported to it (this can't be uncommon as people build houses all the time!!!)

Well I'm certainly glad to read 'twas'nt anything nefarious at least.. Or some stoopid mistake like the name confusion with mine.

It seems like an easy fix.. (breathes sigh of relief for you)

Go get 'em CC.

CHEERS

CreditCuriosity · ‎07-14-2018

@Pikaboo-icu wrote:
@CreditCuriosity wrote:
@Gmood1 wrote:
I don't get why you were denied?
Maybe you picked two banks that are anal about Inqs. Doesn't make sense to me.
Wealth index is waaaaaay off. Yours is a 10 out of an index scale 1 to 6. What's wrong with these people?😂

I wonder why my didn't show anything the last time I checked...blank. I should have a crap ton of Chex pulls on my report.
Not sure some pull chexsys some pull EWS or none of above i suspect..

I think I know what it is.. I bet they added my new address when i requested the report hence the 1 month at address vs. 3 months+ at new address I bet the address wasnt on their file is my guess causing score or whatever to tank..

That is the only thing I can think of now which bank manager do I want to kiss my arse Transportation CU, 5/3rd or Simmon's since they all turned me down to chexsystem report due to address most likely not being reported to it (this can't be uncommon as people build houses all the time!!!)
Well I'm certainly glad to read 'twas'nt anything nefarious at least.. Or some stoopid mistake like the name confusion with mine.
It seems like an easy fix.. (breathes sigh of relief for you)

Go get 'em CC.
CHEERS

Thanks.. Now it is just bank or CU do I really want lol out of the ones that turned me down... Thinking Simmon's since they have been my goal all along for a CC with them since so conservative and must have spotless credit.. Open a CC with them for a year or so then possibly go for a CC although nothing special other than a fairly low apr of below 8ish percent.. I am sure they will faint when they see i have over 330kish in just personal credit available though lol.. I will just start to "court" them and put some money in their to simmer I think. Will go in monday and talk to the branch manager as their bank is a stones throw away from my work and show her report and should be able to get that overturned without an additional pull to ChexSys is my hopes.

AverageJoesCredit · ‎07-15-2018

CC, Are you sure they pulled your Chex and not baught some Chex and just read the nutritional label?

Anonymous · ‎07-16-2018

@CreditCuriosity wrote:
So got my report today and well here it is... So so nasty, not...

Inquiries on file that other lenders can see:

10 inquiries (expected more and a few were duplicates a day or two apart thanks CU's) 7 of those in the last year is all meaning 12 months....

Time in months at inquiry address : 1 (should be 3 months)
Number of address changes reporting in last 12 months: 1 (new house)
# of address changes in last 60 months: 2 (huge i tell you)
total number of properties owned: 1
wealth index: 5 (1 = low 6=highest) so not doing to bad lol?
total number of non derog records: 5
total number of derog records: 0
total number of lien records : 0
total number of bks: 0
total number of evictions: 0

Yep I am a bad bad person to society as you can tell.. Has to be the **bleep** score with address change???

I would think any bank manager in their right mind would override the **bleep** declines now that i have the report thoughts?

I was recently denied for NASA credit union and Discover cashback checking.....I'm guessing DCU will deny me too *grumble* and guess why?? CHEXSYSTEMS!

When I ordered my report, I have:

Inquires: 8 (like 5 from 2017, then some from 2018 and 2015)

Time in months at inquiry address: 5 (should be 8)

Number of address changes reported in the last 12 months: 1

Number of address changes reported in the last 60 months: 6 (I like to move a lot)

Total number of properties owned: 0

Wealth Index: 0 (No information on file)

Total number of non-derogatory records: 1 (I want to know what the hell this means!!!! "Non derogatory", I've never burned a bank so I'm not sure what this is. When I called Chex they were as unhelpful as they ever are, and couldn't even tell me what it is)

Total number of derogatory public reocrds: 0

Total number of lein records: 0

Total number of released liens: 0

Total number of bankruptcy filings: 0

Total number of evictions: 0

So I don't get it. And although Chex doesn't supply a score on the report in the mail, Discover just gave me a Chexsystems score with my denial: 528. Don't know if that's good or bad. But it's a bunch of BS. If I'm getting denied a bank account for my number of address changes, that is just infuriating.

Anonymous · ‎07-16-2018

CC ... received my reports today and it took the same amount of time CC. The results blew me away!

The report listed several prior addresses (addresses were correct new and old) and no other reported information of any kind (nothing).

Now as to the ChexSystems Consumer Score: the score is 9999 which translates to "1. INSUFFICIENT DATA FOUND". Additional information was that the ChexSystems Consumer Score Range is from 100 - 899, with a higher score indicating a lower risk.

As an FYI I am likely one of the oldest and longest credit users on this forum so how does one figure this out? CC ... at least they know your alive

As an aside ... the last time I checked ChexSystems was 2009 and it was full of new accounts and recently ordered checks for Wells Fargo Bank by check number (stupid but that would lead to a rant so I won't). Today I almost don't exist. Very curious?

What is up with my ChexSystems????

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