LOL Andy, (love the hat by the way) I read it as pulling a credit report...then as one of those lovely high interest checks you get in the mail....then gave up confused. If it's number 2, yes it's reportable if you report CRA consumer loans. (And if it is number 2, I wouldn't highlight it to the government as those aren't normally viewed in a favorable light). If it's overdraft protection as Andy said, nope, not reportable. If a "credit check" is something else, do share Mr or Ms Anonymous. We can always use some new product education in here