Showing results for 
Search instead for 
Did you mean: 


Auto Loans for ANY Credit Situation. Immediate Response.
Advertiser disclosure
Valued Member


Does cell phone bills affect my credit score?
My credit score 7/17/2019
EQ: 687 || TU: 708 || Ex: 667
||Capital one: 500 || Credit One: closed || Target: 300
Store Credit Card: 1800 || Citi DC: 700 || Discover It: 2000

Gardening until: 2023
Message 1 of 5
Super Contributor

Re: Credit

Only when you open an account (HP) or you don’t pay the bill and it goes to collections.

Scores 1/2019:
Scores 9/2019:

Hover over my cards to see my limits!
Goal cards: Does it look like I really need any more cards? My goal is to garden until 2/2020.
Message 2 of 5
Established Contributor

Re: Credit

If your credit file is young, or needs some points, Only Experian that I am aware, offers a "boost", but you have to grant them permission to your bank account to scour for utilities and cell phone payments. This is not offered with TU or Equifax. 


The only way a cell phone would affect your score otherwise, is if it were sent for collection.

Message 3 of 5
Established Member

Re: Credit

you can avoid an HP by getting a prepaid plan such as Boost Mobile or Virgin Mobile.

and there are other prepaid plans too.

Message 4 of 5
Community Leader
Valued Contributor

Re: Credit

Not unless you don’t pay your bill. Experian Boost supposedly looks at bills such as phone, rent, etc. to give your score a bump, but in general phone bills have no effect on your credit. 

Discover It: 19.7k
Amex BCE: 18k
Citi DC: 5.7k
Once you go Berner, you never go back.
Message 5 of 5
Advertiser Disclosure: The offers that appear on this site are from third party advertisers from whom FICO receives compensation.