How can I get utility bills on my credit report?
For people in the U.S. - If you pay your phone and utility bills on time, you should sign up for two services. Experian Boost lets you include these monthly payments in your credit report at Experian. eCredable Lift lets you include these same accounts in your TransUnion credit report. Both of these will impact your credit scores like FICO and VantageScore, the two most popular credit scores. This will help you get started with two of the three national credit bureaus, and allow you to get a credit score that should help you qualify for a credit card or car loan. Before you apply, make sure they report your monthly payments to all three credit bureaus which will impact your Equifax credit report also.