<prompt> Human: I just came back from a brick and mortar bank and was denied being able to open a checking account and am puzzled as to why. I have a credit score in the mid-700s with only two missed payments two years ago. The CSR did give me a copy of the Chex Systems QualiFile report. He stated that he could not open an account because I owed other banks money, which is not true. He pointed to the list of inquiring financial institutions on the QualiFile report, but all it lists there are inquiries, not debt.Has anyone encountered this before? Do I just have too many inquiries on my QualiFile report?  <response>: It sounds like the person you dealt with doesnt know how to read a Chex report. Go elsewhere.There are banks which offer Fresh Start accounts, often with a modest deposit requirement much like secured credit cards. 