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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
Mega Contributor

Re: Credit

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

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
Valued 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
Senior 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 ED: 18k
Citi DC: 7.7k
FNBO Rewards Visa: 3.2k
Once you go Berner, you never go back.
Message 5 of 5
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