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Sparkles1969

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Paying your bills
As I am disabled and don't have any bad credit but pay my rent and utilities in a timely manner shouldn't that count as something towards "good credit " to report?

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You would think so but no. If utility companies were to report monthly to the credit agencies they would become subject to the Fair Credit Reporting Act (a headache they don't want to deal with).

This is also the reason that if you are bit behind in paying you don't get negative dings on your score. If however you are far enough behind for an account to go to collections, this will show up on your credit report.

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Rent and utilities are considered normal expenses of living, and are not considered credit items.  What doies qualify is explained in the articles on this site, and they are worth reading.

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