Frequently returning items to a store may impact your relationship with that particular store, but it has no bearing on your credit rating, according to the "FAQ" web page of credit reporting bureau TransUnion. Factors that affect your credit score include your payment history, debt balances compared to available limits, length of credit, new credit inquiries and types of credit.
Returning items doesn't affect your credit because it isn't directly tied to your responsibility in repaying loans. However, retailers have access to technology that allows them to track individual buyer's purchasing and return habits. If you show a pattern of excessive amounts of returns compared to your purchases, especially when you don't have receipts, you could be rejected for any future return attempts.
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