Cell Phone

[Anonymous]

I have been using Cingular for over 5 years now. It is not on my credit report, but I have never missed or been late on a payment. Would this increase my score at all if it were reported by them? My question is should I call them and ask them to put it into my credit report or won't it make much of a difference?

[Anonymous]

Cell phone companies will generally only report your account if it's delinquent.

[Anonymous]

So when you do the right thing by paying on time every month you get no benefit?? Sounds like everything else.