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Hi I just applied for the bank Simple.com online and was declined. The Reasons from chexsystems were as followed: Credit Score: 0532 Score Date: 7/30/2014 5:25:52 PM The key factors that adversely affected your score are as follows: ASSET OWNERSHIP HISTORY CURRENT ADDRESS CHANGE HISTORY DDA CLOSURE PAYMENT HISTORY DDA CLOSURE(S) 1 previous inquiries by 1 Fl(s) My credit score has never been this low before and I just had a credit report done 2 years ago and it didn't say any of these things. So i'm curious what these mean. I know I have a bad bank account with a Small bank in another state that I had but Im working on paying that off. we recently moved but at the end of our lease so im confused on the current address change history. Any help on what all of these mean would be greatly appreciated! Thanks