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: 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. You'll generally need to sign up for the service to get the benefits. Utility Accounts in Collections
The second way that your utility bills can affect your credit scores is if you have bills that are significantly past due. Just like with your loan payments, paying a few days late is not likely to cause major problems (although late fees may apply). When payments are more than 30 days late, those payments will get noticed, and a utility company may turn your debt over to a collection agency if you’ve stopped making payments for several months or more. The agency will then send a record of your account to the major credit bureaus, which will make it part of your credit file and damage your credit.