Does anyone know how long you have to be clean on your utility bills.  For some reason I always manage to pay something late (probably b/c I know it doesn't effect my score).  Not defending my lazy ways, but explaining.  I actually have a good/fair credit score, so I wasn't sure if the process varied by score or not.  My most recent late was my electric bill last month (in this case, I thought it was on auto pay but it wasn't).  Everything else is good (phone, cable, cell) etc.