Title: Can Unpaid Utility Bills In Collections Hurt Your Credit Score? | MyBankTracker
Headings: Can Utility Bills In Collections Hurt Your Credit Score?
Can Utility Bills In Collections Hurt Your Credit Score?
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Can Utility Bills Affect Your Credit Score?
How they're similar
Where they differ
What Does It Mean When a Utility Bill Is In Collections?
How Utilities Can Damage Your Credit
How your credit score is calculated
Which factors affect your credit?
What's the effect of a utility bill in collections?
What to Do With a Utility Bill in Collections
Confirm the debt
How to Pay Off Old Utility Bills
Can You Remove a Utility Bill In Collections?
Conclusion
About the author Thomas (TJ) Porter

Content: How they're similar
When you use a credit card, the card issuer pays the merchant on your behalf. Later you have to pay the card back. You receive the benefit up front and pay for it later. Similarly, when you turn the lights on in your house, you use electricity. The electric company will send you a bill later, and you pay for the service then. You receive the service before pay for it. Where they differ
If you pay your utilities on time, they are not reported to the credit bureaus and do not affect your credit. This can be annoying, especially for people who are trying to build their credit score. Even if you pay all your monthly bills on time, your credit score won’t improve unless one of those bills is related to a loan. The way that a utility bill can affect your credit is if you stop paying the bill.