<prompt> Human: I let about three Wells Fargo accounts get charged off and one Chase account. I was dumb, believe me. I am 21 now and Ive paid them all off. Each of the banks say I can make an account now but when I call Early Warning they tell me that while I am paid off, I will still be derogatorily marked for the next 5 years unless I get each bank write personal letters of forgiveness to them! I havent tried yet but it seems pretty wild regardless. I really want to open a few bank accounts because I have healthy, steady income now and Im very interested in these bank bonuses I see.  <response>: I really want to open a few bank accounts because I have healthy, steady income now and Im very interested in these bank bonuses I see.Just going to say this since nobody else has so far: this is a red flag to me that you havent really straightened out your thinking around money. Why did you have four different bank accounts at two different banks at 18-19, and why are you still considering opening up a few that you dont seem to need now? A bank account is a tool in your financial arsenal which should be used appropriately - they shouldnt be opened left and right as part of some sort of fast cash scheme. Theres much better ways to earn money. 