NSF checks (Non Sufficient Funds), also referred as a bounced check are considered bad and will end up on your credit report — lowering your FICO Score and preventing you from obtaining credit.

A few credit score points can mean the difference between a good mortgage rate, a lousy one or getting a loan at all. But take heart — If errors are dragging down your score, you can get them fixed, just in time for your much-anticipated closing.