<prompt> Human: Running behind on the electric bill and now I am on a payment plan to get rid of the balance. Any concerns for my credit score?  <response>: Only if you they send to collections. They do not report automatically to the agencies. You might even call and ask if by chance they reported your delinquency to the credit agencies, and if they have they have to tell you. Keep a copy of the letter or agreement for the payment plan. Make damn sure that when its caught up that they confirm that you are current. If they do try to send you to collections after the fact, then you can dispute it with the agencies. I had an old cable company try that on me about 10 years ago. As far as tradelines that do, such as credit cards, mortgage, car, etc., it will not be reported as late unless you are 30 days late. But if you are a day late on a credit card, for example, they can internally deem you as being outside of the agreement and raise your rate, reduce your limit, etc. But they cannot report to agencies, which affect your FICO rating, until 30 days.Tl;dr: Call and confirm that they are handling it internally rather than sending to external collections company. If no collections, then youre fine. 