will Credit score gets effected by insufficient funds fess of bank?

I have an money market and checking account, and I usually keep the money in money market account. I had set up bill pay and forgot once to transfer the amount to checking account. So there was insufficient fund in my checking account, and the bank charged a fees for that. But I immediately transfered the amount to checking and called up the bank to reverse the charge, which they did. Does these kind of fees lower my credit score ?

1) Nope!

2) As far as I know it will not hurt your credit rating. I don't think banks report to the credit bureaus for checking accounts

3) Not at all. Accounts don't show on your credit report unless "lending" or "credit" is involved. And then only negitive things show if you are more than 30 days past due. The only way a checking account related item would show on your report is if it was sold to a collection company and they reported it.

4) Your bank account is not a credit line, therefore it is not being reported on mothly basis to the credit bureaus. The bank could report it to the credit bureau if it was a bad debt, but this is not your case. This situation will not affect your credit score.



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