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Does returned checks (one) and one late payment on credit card (the first one went to a wrong address and took more than 1 month to come to me)appears on a Credit Report even if they were paid?
If afirmative does it affect my credit image?

Items like these will remain on your credit report for seven years and, yes, they do effect your credt "image". However, every lender looks at these differently. A single late payment of 30 days doesn't seem too uncommon to me, so I cannot imagine that this has tremendous bearing.

I have had returned (and then paid) checks before, but none of these ever hit my credit report. Since the topic is opened, can anyone comment on these? I find it hard to believe that an NSF check here and there that gets rectified can have a big impact. It's so easy to make an accounting error that could cause these.


PS - Happy to say that the late payments and all NSF checks were pre-1994. Seven years is approaching!
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