 TITLE: Can Utility Bills Appear on Your Credit Report? CONTENT: How Can a Utility Bill Hurt Your Credit?\n----------------------------------------\nUtility companies do not report accounts and payment history to the three major credit bureaus (Experian, TransUnion and Equifax), and as a result, these types of bills have not historically had an impact on your credit scores. For a utility company to be able to report information to a credit bureau, they must meet the requirements of the Fair Credit Reporting Act, such as updating payment information regularly and being able to respond to disputes within legally mandated timeframes.\nOne of the few instances where your utility and telecom bills—including energy, phone and cable—will affect your credit score is if you miss enough payments that the provider sends your debt to a collection agency or charges off your account, assuming you're not going to pay it. END