are overdrafted checks reported to the credit bureaus?

Answer 1

It depends. Just overdrafting isn't reported - say if you went negative and ended up paying the check. Bounced checks can be but depends on who you wrote the check to and if they refer it to collection. If you ever get a letter in the mail to pay a bounced check, pay it immediately or they'll probably report it and add on a hefty collection fee.

There are other reporting agencies you also need to worry about. If you bounce a check at some stores, they'll blackball you from writing checks there until you pay. And the ones that report closed accounts for nsf activity and such. You'll have a hard time getting another checking in the near future if you have an account closed by a bank for various reasons for mishandling the account.

Answer 2

No unless you don't pay them and the bank sends you to collections.

You do, however, get hit with overdraft fees and if you do it too often, the bank will close your account and report you to Chexsystem or similar company. You'll then be unable to get a bank acount.

Answer 3

everything is reported to them now,if your late on a light bill,cable bill, anything your late on is reported now.