<prompt> Human: Just tried to open an account with Chase and they denied because of my experian report, which doesnt have anything on it. Will I be able to open an account anywhere? Ive had one at Bofa for a couple years so my Chex report should be fine  <response>: Definitely. Them pulling a report seems to be the exception, not the rule. Weve used Wells Fargo, Bank of America, USAA, and NFCU at various points in time and none of them pulled a credit report to open an account. 