Can a joint checking account affect your personal credit score?

I was recently married and my wife has a bad penchant for overdrawing funds from our checking. I am still in college and do not want to graduate with a bad credit score or history.

Public Comments

1. yes , been there done it.nb
2. It can hurt you yes. Be careful.
3. yes
4. yes, believe me you would be suprised at some of the things credit companys dig up. it seems like every little thing you do affects your ability to get credit.
5. YES !!! LET HER HAVE HER OWN ACCT AND YOU YOURS, 1ST OF ALL GO TO A BANK THAT HAS OVERDRAFT PROTECTION WHERE THEY WILL TAKE THE MONEY FROM SAVINGS ACCT IF YOU DONT HAVE THE FUNDS IN YOUR CHECKING ACCT,
6. yes your credit score will be affected
7. Would one of you fine responders who answered "yes" to this question please supply me with the source for your wisdom? Because nowhere can I find anything about joint checking accounts even included into credit reports. And trust me,,,I've read a bunch of them. So if I'm missing something please point me to where I can read about this. To answer your question...your wife needs to learn how to control her budget and checking accounts. Follow the advice above and get some overdraft protection.
8. it won't affect your credit unless your account remains overdrawn and they close it. Then they will report it to chexsystems and the credit bureau as unpaid
9. if the bank lets you overdraw and it is not paid back then it will affect your credit rating
10. YES Credit Score http://www.debt-loan-refinance-mortgage-credit.com/category/Credit-Score-Myths-Explained.html