Is there anyone here than can give me the steps to getting out of Chex system/ Early warnings I’ve made my letters and all of that

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My highest credit score is 665 and my lowest is 618. I still have a few negative things on my credit profile, and I keep getting denied for credit cards and other things. I currently have no credit cards reporting on my credit profile. I did have one credit card in the past that I stopped paying, but I have since paid the balance off completely. I honestly don’t have a lot of credit history, so I’m trying to understand why I keep getting denied for things even though my credit score is improving. Could my limited credit history and the previous unpaid credit cards late payments etc be the reason?