Will closing a checking account affect my credit score?

Generally, no. Closing a checking account typically doesn't get reported to credit bureaus. However, if the account was linked to a credit line (as mentioned in the exceptions), closing it might affect your credit mix and, consequently, your score.

Should I open a checking account with overdraft protection?

Overdraft protection can be a safety net, but use it cautiously. The associated fees can be high, and relying heavily on it can negatively impact your financial health.

Can I monitor my credit score for free?

Yes! Several credit bureaus and financial institutions offer free credit score monitoring services. Regularly checking your score helps you identify errors and track your progress.