If I overdraft my checking account but still have enough money in my savings account does it impact my credit score?

1 Yes. Consistantly overdrafting your checking account will negativity affect your credit score. It doesn't make any difference how much you have in savings.It shows you are not financially responsible.

2 banks have their own scoring system they monitor your activities but it does not affect your FICO score or credit report at Equifax, Experian or Transunion. Not yet anyways. If you had enough money to cover the overdraft in another account tell your banker you want to close the saving unless the NSF fee is reversed.

Lychnobite replied to post #1: 3 you're gonna have to come up with a citation for this one TB .

4 I have BoA and I have overdraft protection so whenever I overdraft my checking it just moves money from my savings to my checking to cover it and put some extra in my checking.

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