Title: How Utility Bills Might Affect Your Credit History
Headings: Does Paying Utility Bills Affect Your Credit Score?
Does Paying Utility Bills Affect Your Credit Score?
Alternative Credit-Scoring Methods
Utility Accounts in Collections
Service Provider Payment History Checks
Building Your Credit
Monitor Your Credit
Fix Errors in Your Credit Reports
Keep Paying on Time
Get Current on Bills That Affect Your Credit Score
Article Sources

Content: That's why they've devised innovative credit-scoring methods that factor in alternative data, such as utility and rent payments. 4 ﻿ Through these methods, consumers can get credit when they make on-time payments to multiple organizations every month (for phone service, internet, cable, and electricity, for example). For example, Experian offers Experian Boost, a service that allows consumers to get credit for on-time utility payments to increase their FICO score. You'll need to sign up for the free service online (by default, utility payments aren't factored in), share your bank account information with the bureau so that it can scan the account for utility payments, and then specify the positive payment data you want to add to your credit file to see your increased credit score. 5 ﻿
The challenge, however, is finding a lender that uses those alternative credit scores; not all do. Even if a lender uses an alternative score, a bureau-specific service like Experian Boost won't help your score if the lender pulls your credit from another bureau such as TransUnion or Experian. 6 ﻿ The good news: Those bureaus partner with other organizations to help consumers get credit for utility payments. 7 ﻿﻿ 8 ﻿
Even for bureaus that offer alternative credit-scoring methods, your utility payments won't automatically get factored into your credit score.