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Iseeitfirst

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can a credit bureau put a business acct on
CR bureaus never had business accts on, now when I couldn't pay they are...
Where are the paid as agreed accts, why only the bad??????I think they are controlled by the banks......

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Too much $$$

Business accounts such as your electric company, gas company, etc. can not afford to pay for and maintain regular customer  accounts (such as the one you have) that are paid as agreed with any  of the credit reporting agencies. That would be a great cost to them which they would, in all likelyhood, turn around and pass the cost on to the consumer. These agencies make their money by charging to post payments made and/or not made as the case may be. If you are buying a home or renting it is assumed that you pay for your utilities. Otherwise you wouldn't really need a credit score would you? These companies must pay a fee to report accounts that are not paid. And sadly yes it is a part of the "good old boy" system that they warn  other companies that there is a problem child by being willing to pay those fees only. And last, if you do own a home or rent there exist factors that cover the cost of these expenses which figure into your debt to income (DTI).  You should be glad that some clerks working at these companies do not have access to your file. Trust me I have seen what they are incapable of doing. 

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