I just found out today that my fiance also owes a bank around $280 for an old account, closed years ago, apparently went overdraft, account closed, never paid, etc. Don't know how many years ago this was. It's not on any credit reports. We have been shopping around for a new bank. . A bank he called this morning said we could not open an account (checking) with them because he owed another bank money. Where are they getting this info? It's not on any credit reports. Do Banks have some sort of listing of things like this?