Do NSF Fees Affect Your Credit?

NSF fines have no direct impact on your credit or credit score because the credit bureaus (Equifax, TransUnion, and Experian) are unaware of them. In addition, checks returned due to insufficient money are not reported to these agencies individually. A bounced check, on the other hand, might result in your credit card or loan payment being reported as past due. The credit bureaus are informed of this information. If you make enough late payments, your credit score will suffer. Bounced checks might make it difficult to create a new bank account or pay a business with a check in the future.