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As long as you pay the bank fee (usually $3-10) and do not allow your account to go into overdraft status, your credit rating is not affected. Even an overdraft does not affect your credit unless your bank account is closed and you leave an outstanding overdraft balance due. At that point, the debt will likely be reported to credit bureaus, resulting in a drop in your credit scores.

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17y ago

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What are the ways someone can improve his credit rating?

If someone wanted to improve their credit rating there are a variety of places where someone can do so. Some of these ways are for the individual to check their credit files.


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Can you improve your credit score by cosigning for someone who has little or no credit?

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How can someone improve a poor credit rating?

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