 TITLE: Can Utility Bills Appear on Your Credit Report? CONTENT: Can Utility Bills Reported to Experian Impact Lending Decisions?\n----------------------------------------------------------------\nWith Experian Boost, your utility bills might be the key to unlocking new financial possibilities. Once you connect your bank account and receive your new FICO® Score, you may have an easier time getting approved for certain credit products.\nAn added benefit of Experian Boost is if you are eligible for an increased score, you should see a boost across all of your different FICO® Scores. FICO® Scores are the most commonly used credit scores by lenders and come in several varieties depending on who is requesting to see it. In some cases, auto lenders, bankcard issuers and mortgage lenders will use a different version of your FICO® Score to decide whether to approve you for their specific loan.\nOverall, boosting your FICO® Score should help you with future lending decisions. Not only do lenders decide to issue new credit based on your credit reports and scores, but they often use this information to establish interest rates and loan terms. Having an increased score can help you get approved for more competitive credit and might help you get a reduced interest rate—which can save you thousands of dollars over the life of a loan.\nIf you are unsure whether you've had a collection account added to your credit file, you can check by getting a free copy of your credit report from Experian. Periodically monitoring your credit reports can help you stay on top of any changes in your accounts—which may help your credit history over time. END