If you wrote the check to pay a bill, such as a credit card or mortgage, the creditor may report that you were late in paying your bill to the major credit reporting agencies.
Banks and credit unions usually don’t report a bounced check to the credit reporting agencies, but if you often write bad checks, the bank or credit unions may report that to a specialty credit-reporting agency that specializes in checking information. These companies collect information on consumers’ bank accounts, and having a bad record may make it harder for you to open a bank account in the future.
