{"id":16813,"date":"2024-10-21T12:22:25","date_gmt":"2024-10-21T18:22:25","guid":{"rendered":"https:\/\/www.lexingtonlaw.com\/blog\/?p=16813"},"modified":"2025-06-04T16:48:41","modified_gmt":"2025-06-04T22:48:41","slug":"what-bills-affect-score","status":"publish","type":"post","link":"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-bills-affect-score.html","title":{"rendered":"What bills affect your credit score?"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"570\" height=\"190\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/what-bills-affect-credit-score-hero.jpg\" alt=\"Man looking at bills.\" class=\"wp-image-16812\"\/><\/figure>\n\n\n\n<p><em>The information provided on this website does not, and is not intended to, act as legal, financial or credit advice. <\/em><a href=\"https:\/\/www.lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><em>See Lexington Law\u2019s editorial disclosure for more information.<\/em><\/a><\/p>\n\n\n\n<p class=\"has-white-color has-text-color has-background has-link-color wp-elements-7463ee8252f6730b4cbf52071104f4d0\" style=\"background-color:#00214f\">The bills most commonly reported to the credit bureaus and included on your credit report are for credit cards, student loans, car loans and mortgages. Rent, utility and phone bills typically don\u2019t affect credit unless you opt into a third-party service.<\/p>\n\n\n\n<p>Credit bureaus calculate your credit score using many factors \u2014 including balances and payments made for your bills. That said, the bills that affect your credit score are typically for credit cards and installment loans, like auto, student or mortgage loans. Other bills, like utility payments or cell phone plans, usually aren\u2019t listed on your credit report.\u00a0<\/p>\n\n\n\n<p>However, many bills can end up on your credit report if you fail to pay, and it is possible to get certain bills on your report if you want to improve your credit score by showing additional accounts in good standing.<\/p>\n\n\n\n<p>Read on to learn more about what bills affect your credit score and how to monitor your credit report for accounts related to your bills.&nbsp;<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"721\" src=\"https:\/\/www.youtube.com\/embed\/uK6ZIXS7z1Q\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-bills-help-build-credit\">What bills help build credit?<\/h2>\n\n\n\n<p>In general, the bills that help build credit are for your credit cards and loan payments. Other bill payments \u2014 including rent, cell phone plans, utilities or <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-audit-your-medical-bills.html\" target=\"_blank\" rel=\"noreferrer noopener\">medical bills<\/a> \u2014 are not typically included in your score.<\/p>\n\n\n\n<p>Remember, your credit score is calculated with a scoring system like <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/fico-score-vs-credit-score.html\" target=\"_blank\" rel=\"noreferrer noopener\">FICO\u00ae<\/a> or VantageScore. These models look at all of the accounts listed on your credit reports to assign a score, which signals to lenders how risky it is to offer you new credit, like a credit card or a loan.<\/p>\n\n\n\n<p>These scoring models can only work with information accessible on your credit reports, which are maintained by three bureaus \u2014 TransUnion\u00ae, Experian\u00ae and Equifax\u00ae. The <a href=\"https:\/\/www.lexingtonlaw.com\/education\/three-credit-bureaus\" target=\"_blank\" rel=\"noreferrer noopener\">three credit bureaus<\/a> simply report the information that is provided to them by lenders.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"1078\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/do-bills-affect-your-credit-score.png\" alt=\"Do bills have an effect on your credit score?\" class=\"wp-image-16811\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/do-bills-affect-your-credit-score.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/do-bills-affect-your-credit-score-1100x791.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/do-bills-affect-your-credit-score-768x552.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Credit card bills<\/strong><\/h3>\n\n\n\n<p>Credit card payments are reported to the credit bureaus and can significantly impact your credit score. To build credit with credit card payments, remember to pay your bill on time each month to create a positive payment history. Even one late or missed payment can negatively impact your score.<\/p>\n\n\n\n<p>In addition to keeping track of payments, try to keep the amount of credit you\u2019re using, referred to as <a href=\"https:\/\/www.lexingtonlaw.com\/education\/credit-utilization\" target=\"_blank\" rel=\"noreferrer noopener\">credit utilization<\/a>, low. The best way to do this is by paying your entire balance each month.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Student loan payments<\/strong><\/h3>\n\n\n\n<p>Paying your student loans on time is a great way to build credit. Not only will this establish a positive payment history, but it can also improve your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/length-of-credit-history\" target=\"_blank\" rel=\"noreferrer noopener\">length of credit history<\/a> and diversify your credit mix. On the other hand, late payments on your student loans will hurt your score.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Car loan payments<\/strong><\/h3>\n\n\n\n<p>Car payments are another loan type that is reported to the credit bureaus. When <a href=\"https:\/\/www.lexingtonlaw.com\/education\/buying-a-car-with-bad-credit\" target=\"_blank\" rel=\"noreferrer noopener\">buying a car<\/a>, make sure you can afford to make at least the minimum payment each month to ensure you can make your payment on time each month. To do so, many financial experts recommend that you spend under 10 percent of your take-home income on your car payment.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Mortgages<\/strong><\/h3>\n\n\n\n<p>While your credit score may take an initial hit from taking out a mortgage, it will rise as you make consistent, on-time payments.&nbsp;<\/p>\n\n\n\n<p>Keep in mind that a late or missed payment on a mortgage is more detrimental to your credit score than a late payment for a credit card account. Not to mention, multiple missed payments in a row will lead to foreclosure, which can negatively impact your score by over 100 points.&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>Rent, utility and phone bills<\/strong><\/h3>\n\n\n\n<p>Since utility companies, apartment complexes, cell phone companies and other businesses don\u2019t generally report information about account balances and payments to the credit bureaus, those bills generally aren\u2019t included in your credit score calculation.&nbsp;<\/p>\n\n\n\n<p>Fortunately, there are a few ways that you can use these bill payments to potentially improve your credit score. If you\u2019re currently making payments on your rent and utility bills and have accounts in good standing, you may want to look at how a couple of programs could raise your credit score.<\/p>\n\n\n\n<p>For example, you can add rent and <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/how-to-add-utilities-to-credit-report.html\" target=\"_blank\" rel=\"noreferrer noopener\">utilities to your credit report<\/a>. Rent and utility reporting services add these payments to your credit report to help you build credit.&nbsp;&nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What bills can hurt your credit?<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Any bill that you miss enough payments on can show up as a negative item on your credit report.&nbsp; Delinquent accounts \u2014 accounts that are no longer in good standing \u2014 could be <a href=\"https:\/\/www.lexingtonlaw.com\/education\/remove-collections-from-credit-report\" target=\"_blank\" rel=\"noreferrer noopener\">sent to collections<\/a>, which will usually show up as a negative item on your credit report.<\/p>\n\n\n\n<figure class=\"wp-block-image size-full\"><img decoding=\"async\" width=\"1500\" height=\"1150\" src=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/can-you-have-positive-bills-reported.png\" alt=\"How bills can help your credit score\" class=\"wp-image-16810\" srcset=\"https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/can-you-have-positive-bills-reported.png 1500w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/can-you-have-positive-bills-reported-1100x843.png 1100w, https:\/\/www.lexingtonlaw.com\/blog\/wp-content\/uploads\/2021\/12\/can-you-have-positive-bills-reported-768x589.png 768w\" sizes=\"(min-width: 767px) 600px, calc(100vw - 35px)\" \/><\/figure>\n\n\n\n<p>For example, an unpaid medical bill, an overdue cell phone payment, or late rent could eventually end up on your credit report if you fail to pay what you owe. Since the original lender wants to recoup some of the money you owe them, they\u2019ll work with a collection agency to try to get a payment from you.&nbsp; A collection account on your credit report could lead to a significant drop in your <a href=\"https:\/\/www.lexingtonlaw.com\/education\/good-credit-score\" target=\"_blank\" rel=\"noreferrer noopener\">credit score<\/a>, so it\u2019s important to make payments on time and in full for any bills you owe \u2014 not just credit cards and loans but also bills for any utilities or services you use.&nbsp;<\/p>\n\n\n\n<div class=\"responsive-youtube\"><iframe width=\"1280\" height=\"721\" src=\"https:\/\/www.youtube.com\/embed\/qWPMMEbsKnY\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\"><\/iframe><\/div>\n\n\n\n<p>If you\u2019re struggling to pay your bills, it\u2019s often helpful to reach out proactively to set up a payment plan, which may prevent your bill from being reported as a negative item on your credit report.&nbsp;<\/p>\n\n\n\n<p>Many utility companies, cell phone providers and medical centers can negotiate costs or offer support to people in difficult financial situations. As a result, it\u2019s generally in your best interest to try to make arrangements before your credit score takes a hit from a bill going to collections.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Monitor your credit with Lexington Law Firm<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>If you make any bill payments \u2014 whether for credit cards, utilities or services \u2014 you\u2019ll want to make sure that you\u2019re regularly monitoring your credit report. That way, you\u2019ll know what bills are affecting your credit score and what else is affecting your score, too.<\/p>\n\n\n\n<p>You can get a <a href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/why-you-should-check-all-3-of-your-credit-reports.html\" target=\"_blank\" rel=\"noreferrer noopener\">free credit report from each of the three credit bureaus<\/a> annually, and this report will include information about your accounts, balances and payment history.<\/p>\n\n\n\n<p>When scanning your credit report, you\u2019ll have the opportunity to look for any accounts that have been misreported \u2014 such as reflecting inaccurate information or if there\u2019s an account that doesn\u2019t belong to you. Misleading negative items could unfairly lower your credit score.<\/p>\n\n\n\n<p>If you\u2019re wondering where your credit stands, you can start with a <a href=\"https:\/\/www.lexingtonlaw.com\/credit-snapshot\/pi\" target=\"_blank\" rel=\"noreferrer noopener\">free credit assessment.<\/a><\/p>\n\n\n\n<p><a href=\"https:\/\/lexingtonlaw.com\/disclaimer\" target=\"_blank\" rel=\"noreferrer noopener\"><strong><em>Note:<\/em><\/strong><\/a><em> Articles have only been reviewed by the indicated attorney, not written by them. The information provided on this website does not, and is not intended to, act as legal, financial or credit advice; instead, it is for general informational purposes only. Use of, and access to, this website or any of the links or resources contained within the site do not create an attorney-client or fiduciary relationship between the reader, user, or browser and website owner, authors, reviewers, contributors, contributing firms, or their respective agents or employers.<\/em><\/p>\n\n\n\n<p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>You know that loans and credit cards affect your credit score, but what about bills?<\/p>\n","protected":false},"author":63,"featured_media":16812,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[9],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v18.1 (Yoast SEO v18.3) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>What Bills Affect Your Credit Score? | Lexington Law<\/title>\n<meta name=\"description\" content=\"Bills that can help build credit include credit cards, auto loans, mortgages and utility bills. Learn more about what bills affect your credit.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.lexingtonlaw.com\/blog\/credit-101\/what-bills-affect-score.html\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What bills affect your credit score?\" \/>\n<meta property=\"og:description\" content=\"Bills that can help build credit include credit cards, auto loans, mortgages and utility bills. 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