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#1 whall1970

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Posted 29 December 2017 - 02:33 AM

so i kept reading Bank of Sierra was friendly.  I applied online while back and was denied.  I did not have anything on chex and my credit so so.  So today I was in Bakersfield California,  and from what I knew if you have ID and required documents that I would be approved.   Wrong,  they actually ran chex and it was clear, but they ran transunion and denied me because of credit.  this was for the totally free checking.  any other people have luck or no luck with them?

#2 tmcgill

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Posted 29 December 2017 - 03:03 PM

Some run a combo report and pull from Chex and another CRA, or pull a FICO from one of the Big 3.

It's always best to call and verify what a bank uses before applying. This way you don't add a useless inquiry to your Chex report.

Banks or credit unions may deny if you have multiple account inquiries over a short period of time.

Edited by tmcgill, 29 December 2017 - 03:03 PM.

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