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Overdrafts are an internal banking issue and legal issue, not a credit issue. Consequences of bouncing checks range from NSF fees, to loss of checking accounts and reporting to Chex Systems (which could hinder both of you from opening accounts in the future), all the way up to the involvement of the state attorney general in extreme cases (passing checks without funds to cover them is illegal). However, unless the matter goes to court or a collection company for some reason neither of you should see anything on your credit related to overdrafts.

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Q: My sister put my name on her checking can her overdrafts affect my credit?
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