Posts Tagged "utilities"

Utility payments not part of your credit report

Dear Experian, Can I improve my scores by providing you with letters of credit from my utilities? –  DPH   Dear DPH, Experian cannot add accounts to a credit report using letters from your utility company. In order to include account information, the utility company must meet the requirements of the Fair Credit Reporting Act […]

Reporting utility bill payments will be beneficial to consumers

Dear Experian,

I got my credit report recently and was shocked to find that all of my monthly obligations were not listed, making my score very low. I pay my utility bills, Internet service provider, merchandise shipping contracts, telephone, cable television, and rent on time every month, and I have an open Paypal/Ebay account. If these were listed I am sure that my report would look more favorable. How can I get these items onto my reports so that a future lenders looking at my credit profile for a home loan will know that I am an honest hard working person, paying her obligations as agreed?


Unpaid utility bills can appear on your credit report

Dear Experian,

If you don’t pay your utility bill, can that go on your credit report?


Qualifying for new credit when you have no credit history

Dear Experian,

I have no credit score and am unable to get credit for a car loan. How do I get a credit score? I have my own apartment and am paying all utilities. Will that help? If so how long does it take, or where should I start?


Impact of inquires from utilities, cable TV, rent, and cell phones on credit scores

Dear Experian,

How do inquiries from utility, cable television/internet, cellular telephone and residential rentals impact credit scores since payment histories are never reported?


“Soft inquiries” are not an exception to access a frozen credit file

Dear Experian,

Can a utility company still obtain my report with a “soft hit” on my credit, or is my information frozen and no information can be released with a state credit freeze on my account? A utility company told me they can still do a credit check on my account even when it has a freeze on it because they do a soft hit.


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