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Tried opening an account online but they said my credit report was locked.


I opened up Experian and still got same response.


Can someone please help me identify which reports they need to see?


I asked in HSBC chat, but they said they can't tell me.

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Did you ever have any HSBC account before? If yes, how long ago?

They do a soft on Exp for identity verification. 

What state do you live in? 


I have had quite an extensive experience with HSBC accounts, let me know if you need more feed back.

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Yes they do, but if your EWS and Chexsys are on freeze, they could take a soft on Exp for Id verification. 

If you have an item on Chex or EWS that is past two year mark, HSBC will still open an account. 

If you have multiple items on Chex or EWS, I would make them soft the EXP instead.

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