Building and maintaining a good credit score is essential for financial stability and accessing various credit facilities. While many people understand that credit card payments and loans can impact their credit, few realize that everyday bills can also contribute positively. In this guide, we’ll explore which bills help build credit and how you can leverage them to improve your credit score.

What Bills Help Build Credit

1. Rent Payments

How it Works: Traditionally, rent payments were not reported to credit bureaus. However, with the advent of rent reporting services, this has changed. Services like RentTrack, RentReporters, and CreditMyRent allow tenants to report their rent payments to major credit bureaus.

Impact on Credit: Consistent, on-time rent payments can significantly improve your credit score, especially for those who lack a diverse credit history. It’s a great way to build credit without taking on new debt.

2. Utility Bills

How it Works: Utilities like electricity, water, and gas are not automatically reported to credit bureaus. However, services such as Experian Boost allow you to add these payments to your credit report.

Impact on Credit: Adding utility payments can provide a boost to your credit score, particularly for those with limited credit histories. On-time payments show responsibility and reliability, which are key factors in credit scoring.

3. Cell Phone Bills

How it Works: Similar to utilities, cell phone bills are not typically reported to credit bureaus. However, late or missed payments can be reported by collection agencies if the account goes into default.

Impact on Credit: Using services like Experian Boost, you can have your cell phone payments included in your credit report. Regular, timely payments can help enhance your credit profile.

4. Streaming Services

How it Works: Payments for services like Netflix, Hulu, and Spotify are now eligible to be reported to credit bureaus through Experian Boost.

Impact on Credit: While the impact might be minor compared to other bills, every bit helps, especially if you are trying to build or rebuild your credit. Timely payments reflect positively on your creditworthiness.

5. Subscription Services

How it Works: Other subscription services, such as gym memberships or meal kit deliveries, can also be added to your credit report through similar services that allow bill reporting.

Impact on Credit: Consistent payments on subscription services contribute to a positive payment history, bolstering your credit score.

6. Insurance Payments

How it Works: Payments for auto, health, or renters insurance are not typically reported to credit bureaus. However, they can be added through certain bill reporting services.

Impact on Credit: Regular payments on insurance premiums can show lenders that you are responsible and can manage your finances well, positively impacting your credit score over time.

7. Student Loans

How it Works: Unlike the bills mentioned above, student loans are automatically reported to credit bureaus. Your payment history on these loans is a significant factor in your credit score.

Impact on Credit: Making timely payments on student loans can help build a solid credit history. Conversely, missed payments can significantly damage your credit score.

Tips for Maximizing Credit Benefits from Bill Payments

1. Use Bill Reporting Services: Leverage services like Experian Boost, RentTrack, and others to ensure your bill payments are reported to the credit bureaus.

2. Automate Payments: Set up automatic payments to avoid late or missed payments, which can negatively impact your credit score.

3. Monitor Your Credit Report: Regularly check your credit report to ensure that all your payments are being accurately reported.

4. Diversify Your Credit: While bill payments help, having a mix of credit types (credit cards, loans, etc.) is also beneficial for your credit score.

5. Stay Consistent: Building credit is a marathon, not a sprint. Consistency in making on-time payments is key to improving your credit score over time.


Building credit through everyday bills is a practical and often overlooked strategy. By ensuring that your rent, utilities, cell phone, streaming services, subscription services, and insurance payments are reported to credit bureaus, you can steadily improve your credit score. Remember, consistency and timely payments are the cornerstones of building and maintaining good credit. Start leveraging your everyday bills today to pave the way for a stronger financial future.

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