Did you write checks or use your debit card while you didn't have money in there to cover the amounts? if you have been denied loans it is probably because you don't have good credit and your background or employment status isn't satisfactory enough for them. if you have no idea why your account is bad and you haven't made any transactions that are showing on your account, report it fraudulent and they will research it and find who stole your identity or information on your account numbers and put your account back to good standing and possibly issue you a new account for security puroposes.
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