Will a returned check effect my credit score?

I recently bought a laptop with a check from an investment account I had. It was the first check I had written from that account and so I had no idea that there was only $14 in cash in the account and the remaining money was invested. I called the company and sold enough stocks to cover the cost of the laptop plus some more. What do I do now? Is there anyway that they can make it like this never happened? Will my credit score be ruined? Help!

Public Comments

1. Your credit score will not be ruined, if you covered the costs and the laptop/credit company doesn't know about it, if they do no biggie just don't make a habit of it.
2. You will be fine. Your credit will not be effected.
3. I'm fairly certain that a returned check in and of itself does not adversely affect your credit score. As long as you corrected the error, and paid the company the funds, it never touches your credit report. The only way it would is if you had ignored their notice, not paid the money, and after a while of trying to resolve the issue with you they sent your information to a collection agency. Since it sounds like you paid for the laptop in full there's no revolving account to worry about either, so you should be squeaky clean as far as your credit report is concerned! Hope this helps!
4. Some companies, mainly grocery stores, report bounced checks to the credit bureau. It is highly unlikely that your faux paus was reported. Especially since you covered it as soon as it was discovered. If by some chance this did make it to your bureau, you can place a short explanation in the bureau which would become part of your credit report and will be provided whenever anyone pulls your report. One more thing, one mistake will never "ruin" your credit report. It is made up of a history. Ask the computer company if they reported it. If you still concerned get your free annual copy of your report in a couple of months. Don't sweat it...