 TITLE: Will Paying My Mobile Phone Bill Late Hurt My Credit Score? CONTENT: Can a Late Mobile Phone Payment Hurt My Credit Score?\n-----------------------------------------------------\nWith most credit scoring models, late mobile payments won't have an impact on your credit score unless the account goes to collections or the service provider charges off the debt.\nDepending on the provider, this likely won't happen if you miss just one payment. But if you miss multiple payments or allow an unpaid bill to stay that way, the provider may close your account and use a debt collector to obtain payment, or simply write it off as uncollectible.\nBecause your payment history is generally the most important factor in your credit score, a collections account or charged-off debt can have a major negative impact on your credit score. What's more, the negative item will remain on your credit report for seven years.\nWhile that doesn't mean your credit score will stay down for that long—new positive information can help offset old negative information—it can take time and effort to recover and rebuild. END