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Posted in Paying Your Bills
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dtatro69

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why doesn't my cell phone show up for monthly payments?

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One of the many ironies of the credit reporting system is that while we incur hard inquiries when we sign up for cell service, rent an apartment, or (sometimes) sign up for utility service, we then don't get any score credit for making regular monthly payments on those things.

The only time they ever show up on our record is if we quit paying and the accounts go into collections.

Very strange, but true, that when it comes to scoring, these things have multiple ways to hurt us but none to help us.

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