1 Checking Accounts (DDAs) - Banks have the option of doing a hard pull or a soft pull. 2  Banks need to use a code in their account opening system if they want the pull to be soft. 3  Once overdraft protection or a debit/check card is added it will automatically be a hard pull.
https://www.bestcashcow.com/articles/does-opening-a-savings-cd-or-checking-account-impact-on-your-credit-score-6766
Payment history. Skipping payments or paying your credit card late can quickly damage your credit score. And it can take up to seven years to get a hit, ten years for certain items, off of your record. If you pay all of your bills and credit card balances in full and on time, your history will remain clean, resulting in a higher score. “ Striking the right balance between types of credit can improve your credit score. With this information, you can make informed choices that will help you make the most of your score. And the higher the score, the better your chance of getting the credit you need.
https://www.wellsfargo.com/financial-education/basic-finances/financial-challenges/repair-credit/affect-credit-score
Normal day-to-day use of your checking account, such as making deposits, writing checks, withdrawing funds or transferring money to other accounts, does not appear on your credit report. Your credit report only deals with money you owe or have owed. However, a few isolated circumstances exist where your checking account can affect your credit score. When you apply for a checking account, the bank might look at your credit report. Typically, it only does a soft inquiry, which has no effect on your credit score. On occasion, however, a hard inquiry is used; while this can negatively affect your score, it is usually by no more than five points.
http://www.investopedia.com/ask/answers/040715/how-does-your-checking-account-affect-your-credit-score.asp
Monitoring Your Credit Whether you’re curious as to how your bank is or isn’t reporting your accounts to the credit bureaus, or just interested in keeping tabs on your credit score, checking your credit report and score regularly can help you understand what affects your credit score and how it impacts your life.
https://www.creditreport.com/blog/does-my-banking-activity-affect-my-credit-score/
1 If you have other bad marks on your credit score and are thinking of applying for a major loan (home, car, etc.) you might not want to open a slew of new accounts. 2  Any impact on your credit score from opening a savings account, certificate of deposit, or money market account is minimal if you have good credit.
https://www.bestcashcow.com/articles/does-opening-a-savings-cd-or-checking-account-impact-on-your-credit-score-6766
1 Many do not. 2  If a hard pull is done the impact on your credit score varies depending on your other credit history, and your credit age. 3  If you have other bad marks on your credit score and are thinking of applying for a major loan (home, car, etc.) you might not want to open a slew of new accounts.
https://www.bestcashcow.com/articles/does-opening-a-savings-cd-or-checking-account-impact-on-your-credit-score-6766
Overdrawing your checking account without overdraft protection or writing a bad check can end up on your credit report, but not right away. Because your checking account itself is not an account listed on your credit report, issues relating to that account, such as overdrafts or bad checks, do not get reported.
http://www.investopedia.com/ask/answers/040715/how-does-your-checking-account-affect-your-credit-score.asp
1 If a hard pull is done the impact on your credit score varies depending on your other credit history, and your credit age. 2  If you have other bad marks on your credit score and are thinking of applying for a major loan (home, car, etc.) you might not want to open a slew of new accounts.
https://www.bestcashcow.com/articles/does-opening-a-savings-cd-or-checking-account-impact-on-your-credit-score-6766
1 Opening a checking account may or may not have an impact on your credit score, depending on the bank and the credit agency they use.
https://www.bestcashcow.com/articles/does-opening-a-savings-cd-or-checking-account-impact-on-your-credit-score-6766
Credit scores can be as low as 300 and as high as 850. There are five factors that determine where your number falls in that range: 1  35% of your score is based on your payment history. 2  30% is based on current debts. 3  15% is determined by credit history.
https://www.wellsfargo.com/financial-education/basic-finances/financial-challenges/repair-credit/affect-credit-score
how can your checking account affect your credit score
Your checking account affect your credit score by a hard inquiry  while this can negatively affect your score, it is usually by no more than five points.