Everyone knows to check their credit report annually to see if there are any errors that need to be cleaned up. Also important, is the 'bank credit report' or the ChexSystems Annual Free Report. Click on the link to take you directly to the website where, every year, you may get your report for free. Check that report to see if there is anything negative and if there is, if the negative information is accurate.
If it is not accurate or, for example, that overdraft fee listed on there has long been paid, then contact the report banking institution to have that information removed. If you have negative information reported on ChexSystems, you may be denied a bank account in the future.
And, remember that just because your banking activity does not get reported to your credit report that computes your FICO score, it is still being reported and can negatively impact you in the future.
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