Does my cellphone bill affect my credit report?

Question

My phone got cut off this morning, apparently because the bill hasn't been paid. I had it set to automatically come out of my account, but the cellphone company just didn't take it out for a month or so, and then turned off my phone.

I paid the bill and the phone's back on. Will that unpaid bill affect my credit report, or will it even show up on it?

Answer 1

No. Cell phone companies do not report your payment history on a monthly basis IF the account is still open. If you paid your phone bill and the provider cut it back on, they did not report it to the credit bureaus. The only time a cell phone can affect your credit is when the account is closed and sold to a collection agency. At that time the collection agency will report the debt and it becomes a derogatory account and will negatively affect your credit rating.

Answer 2

2

Answer 3

Cellular telephone and regular utility companies do not normally report to the credit reporting agencies, but if the bill goes to a collection agency, the collection company will almost always report it.

Since your payment was only one month behind, it should not have been sent to collection, and therefore should not affect your credit standing (hopefully). There are, however, a few cellular phone companies who do report adverse accounts to the credit reporting agencies, like Verizon, so you might like to check your 3 credit reports. You can do that once per year for free by going to www.annualcreditreport.com.

Answer 4

Nope. The cellular telephone employer does not record your month-to-month money to the credit bureaus. So it won't take place. All you will get is a bad previous due value out of your cellular telephone employer.

Answer 5

I doubt they reported it to the credit agencies since you're back in good standing, but you can pull a free copy of your credit reports 1x per year at the website below. It is a good idea to keep an eye on it for ID theft. I care absolutely nothing about my credit rating, but still pull my reports regularly.

Answer 6

No, this will not go on your credit report. The only types of credit that would affect your report would be revolving, installment, and real estate. However, if you stop paying your bill and it goes to a collection agency, then it would show on your report as a collection.

Hope this helps.

Answer 7

Only if the account got turned into collections will it damage your credit!

Answer 8

Hurrah, that's what I was looking for! Thanks op of this question.