wassgood fam 🔋 droppin a real one for u today. most yall grindin on them 3 credit bureaus n forgettin theres a WHOLE nother report that decides if u can even open a bank account. its called ChexSystems. n if u dont know bout it, it can block ur whole play. heres the deal. chexsystems is like a credit bureau but for BANK accounts. every time u apply to open a checkin or savins, the bank pull ur chexsystems file first, before they let u in. what land on it. unpaid overdrafts. bounced checks. a account a bank closed on u. suspected fraud. n that stuff sit on there up to 5 YEARS. heres why it matter so much 🔋 u could have a clean 700 score n STILL get denied for a basic checkin account cause a lil overdraft from years ago sittin in chexsystems. n peep this, this whole game we run go thru bank accounts. biz bank accounts, the bank ladder, movin ur money for the plays. u cant run none of it if u cant even open a account. now heres how u run it. first. pull ur chexsystems report FREE. federal law give u one free every 12 months at chexsystems.com. n if a bank just denied u, u get ANOTHER free one off that denial. dont pay nobody for it. second. read it line by line. if u see somethin that aint right or aint even yours, dispute it. same fcra rights as ur credit. they got 30 days to verify it or it gotta come off. third. if u owe a real balance to a old bank, call em n settle it. a lot of banks update the record to paid once u clear it, n that make u look way better to the next bank. fourth. u can even FREEZE ur chexsystems file same as a credit freeze, so a scammer cant open accounts in ur name. fifth. if ur file too messy to pass right now, open a SECOND CHANCE checkin account. certain banks n credit unions dont run chexsystems hard or got accounts built for people rebuildin. that get u bankin again while ur file cleans up. anybody ever get denied for a bank account n couldnt figure out why? real talk thats prolly chexsystems. drop ur situation below n me n my team will tell u exactly how to pull it n clean it up 💎