eCredable Blog - Learn to Build Credit

Normally paying utility bills does not build credit. But they can if you use a third-party company to report your bill payments for you.

You can't report utility bills to the credit bureaus by yourself, but you can hire a third-party service provider to do it on your behalf.

There are many places where you can get a free credit report. If you want the original report generated by the three national credit bureaus, you need to go to www.AnnualCreditReport.com

How long should someone wait for a credit report? I mailed AnnualCreditReport.com requests for a single credit agency report for my daughter and myself, but neither of us has received a response. I do not want to send an additional request and be billed for multiple reports.