I have been off work for nearly a year and my credit rating has gone way down as I have racked up over $7000 worth of debt. I just got a new job and want to set up a savings account at one of my local banks. Will they check my credit rating and possibly turn me down?
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They most likely will check a Chexsystems credit report which is a report that shows what you owe to other banks money on a checking or savings accounts not credit cards or loans.
No, but they may run your name through Chexsystems.