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Ok, so I am disputing errors on my credit report and I have a secured card that I pay in full and on time each month (I only use it for gas, food, stuff like that). Is it wise for me to put a utility bill in my name (though they will make me pay a deposit) to establish a “different kind of credit”.

I was thinking of putting my DirecTV account in my name and paying the deposit to do so (if they do that), but I don’t want to be “Denied” . What are your thoughts about all of this?

3 Thoughts on Other steps to improving credit?
  1. Reply
    October 15, 2011 at 12:03 am

    I have Directv and they do not report to the credit bureaus.

    Neither do other utilities like water, gas, trash, sewer or cell phones, gym memberships, cable TV or insurance companies.

    The only time any of these will report is if you don’t pay them and your account goes to collections.

    Your doing the best thing you can do with your credit card, as soon as your credit gets better get a couple of regular cards from First Premier, H.S.B.C. Orchard Bank or Capital One and use them the same way always paying in full before the due dates.

    I did this with 2 cards and raised my score over 150-points in a year.

  2. Reply
    N K
    October 15, 2011 at 12:28 am

    utilities dont get reported to your credit unless you screw them up. you need to build good credit and for that, there are ways to do it.

    get a small loans from your bank say $ 500 and pay them back in a couple of months. do it a few times and every loans will be a new entry and it will improve your scores over time.

    You can ask to be an authorized user on someone else’s credit and you can piggy back on it but that is going away soon. Besides if they screw it up, you will get screwed too.

  3. Reply
    October 15, 2011 at 12:38 am

    you could just let your husband deal with it…. hahahahahhaha

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