SUZE ORMAN: No, you're not. And the reason is this: credit scores are based on credit, everybody, not the checks that you write. Here's how you could though screw up your credit score if you write bad checks. You write a bad check and then you don't pay it, and then the utility company or the bank, or whoever you wrote that bad check to, sends it to a collection agency, and then that can screw up your credit. However, if you simply write a bad check and you cover it right away, will it hurt your credit score? It will not, unless you don't pay for it immediately.