Your utility bill payments can raise your VantageScore® 3.0 when you’ve just started building credit.
Your credit is as unique as your DNA. There are too many variations to try to explain how utility payments will impact your credit score exactly, so we’ve provided you with some general credit profiles that you should be able to relate to.
Pick the one that comes the closest to your “credit DNA” to get a sense of what might happen when you report phone and utility payments to TransUnion.
In the examples below, each utility account added has 12 months of payment history: