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We're the Consumer Financial Protection Bureau (CFPB), a U.S. government agency that makes sure banks, lenders, and other financial companies treat you fairly.

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I bounced a check. Will this show up on my credit report?


It depends on what you wrote the check to pay. 

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.

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The content on this page provides general consumer information. It is not legal advice or regulatory guidance. The CFPB updates this information periodically. This information may include links or references to third-party resources or content. We do not endorse the third-party or guarantee the accuracy of this third-party information. There may be other resources that also serve your needs.