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Transunion pull Chex Systems? New Apple Card

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After hearing that Apple's new card only does a soft pull if your denied and hard if you are approved, I decided to give it a try. I was denied with 710 credit score and no negatives (one card has high balance, overall utilization is 8%). The email i got was

Thank you for your interest in Apple Card. Goldman Sachs Bank USA has reviewed your application, and it was not approved at this time because:

  • A bank has recently closed your account

 

I know I didn't have any recently closed accounts so I dug deeper, at the bottom of my report I found this;

THIRD PARTY SUPPLEMENTAL INFORMATION

 

CHECKING ACCOUNT AND DEMAND DEPOSIT ACCOUNT (DDA) ACTIVITY

Data Source:

Chex Systems Inc. (7805 Hudson Road, Suite 100, Woodbury, MN 55125, (800) 513-7125)

Checking Account Closures in the Last Month:

Requested by:
GOLDMAN SACHS BANK USA

Checking Account Closures in the Last 2 Months:

Requested on: 8/12/2019

Checking Account Closures in the Last 3 Months:

000

Checking Account Closures in the Checking Account Closures in the Checking Account Closures in the Last Year: Last 2 Years: Last 3 Years:

001

So Transunion pulls Chex on behalf of Goldman Sachs? So now even though I worked to get my credit perfect, i'm gonna have this Chex inquiry for the next 2 years? wtf!

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Have you pulled your Chex report recently? What is the notation on your actual report? 

 

It's the first I've heard of Chex being pulled for a credit card (rather than a bank account). 

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1 hour ago, Second Chances said:

Have you pulled your Chex report recently? What is the notation on your actual report? 

 

It's the first I've heard of Chex being pulled for a credit card (rather than a bank account). 

I just requested my Chex. Goldman didn't directly pull Chex, it seems they requested Transunion to. Also Goldman wanted to know if I had any evictions because the section after Chex info on my Transunion is this;

 

 

SUPPLEMENT􏰃L PU􏰈LIC RECORDS 􏰃ND RESIDENTI􏰃L INFORM􏰃TION

Data Source􏰊

CoreLogic Inc􏰀 􏰅1 CoreLogic Drive􏰄 Westlake􏰄 TX 76262􏰄 􏰅866􏰇 873􏰋3651􏰇

Number of Evictions􏰊 0

􏰃uto Finance Inquiries in the Last 9 Months􏰊

Requested by􏰊
GOLDM􏰃N S􏰃CHS 􏰈􏰃NK US􏰃

􏰃uto Finance Inquiries in the Last 3 Months􏰊

Requested on􏰊 08􏰉12􏰉2019

􏰃uto Finance Inquiries in the Last 6 Months􏰊

00

􏰃uto Finance Inquiries in the Last 24 􏰃uto Finance Inquiries in the Last 7 Months􏰊 Years􏰊

000

Cash 􏰃dvance Inquiries in the Last 3 Cash 􏰃dvance Inquiries in the Last 6 Cash 􏰃dvance Inquiries in the Last 9 Months􏰊 Months􏰊 Months􏰊

000

Cash 􏰃dvance Inquiries in the Last 12 Cash 􏰃dvance Inquiries in the Last 24 Cash 􏰃dvance Inquiries in the Last 7 Months􏰊 Months􏰊 Years􏰊

000

Misc Financial Services in the Last 7 Rent􏰋to􏰋Own Inquiries in the Last 3 Rent􏰋to􏰋Own Inquiries in the Last 6 Years􏰊 Months􏰊 Months􏰊

000

Rent􏰋to􏰋Own Inquiries in the Last 9 Rent􏰋to􏰋Own Inquiries in the Last 12 Rent􏰋to􏰋Own Inquiries in the Last 24 Months􏰊 Months􏰊 Months􏰊

000

 

30/31

8/12/2019

Months􏰊 Years􏰊

TransUnion

Last 24 Months􏰊

000

Open Payday Loan Charge􏰋offs in the Open Rent􏰋to􏰋Own Charge􏰋offs in 􏰃ll Open Charge􏰋offs in the Last 3 Last 24 months􏰊 the Last 24 Months􏰊 Months􏰊

000

􏰃ll Open Charge􏰋offs in the Last 6 􏰃ll Open Charge􏰋offs in the Last 9 􏰃ll Open Charge􏰋offs in the Last 12 Months􏰊 Months􏰊 Months􏰊

000

􏰃ll Open Charge􏰋offs in the Last 24 􏰃ll Open Charge􏰋offs in the Last 7 Months􏰊 Years􏰊

00

 

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They were not specifically looking for evictions...that grocery list with the third-party is simply associated with the standard check through that particular service.  I saw the same list on a brokerage account following the completion of paperwork for options trading and again for the margin trading. 

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right,  I don't care about not getting the Apple card. I'm concerned about getting approved for credit cards going forward if they are going to see this Chex entry, or are they going to check Chex. I haven't applied for a CC in two years so I wasn't sure if this is new or what. In the meantime, i'm going to work on getting that 1 entry off my Chex report, if that's even possible. I'm familiar with TU, EX & EQ disputes but not Chex systems.

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If you look more closely, you will see that it is CoreLogix, a very common entity to see on reports nowadays.  It is NOT worth losing sleep over provided you are not a frequent opener/defaulter on bank accounts or routinely seeking payday loans or other subprime products.

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