Credit Report?

If somthing you bought and pay for monthly ie phone bill, and its not on your credit report, if you miss payments does this mean it wont effect your credit report?

Public Comments

1. The bad thing : your credit score does not inproves if you pay on time, but it will go down if you are late !
2. Phone companies do not report to the credit bureaus unless the account is sent to collections. So if all your worried about is one missed payment? Don't worry. Just make it up as soon as possible so it doe's not go to collections.
3. Cell phones will only show up on your credit report if you screw up a payment and let it go to collection...
4. It will only go on your credit report if it goes to collections. If you are always paying on time and you believe you always will you might be able to call them and request that it be put on your credit report. Just remember that if they do this not only will it show that you can pay on time but it will change your debt / income ratio.
5. telewest,ntl,vigin network all go on your credit report.
6. It will still affect it as your phone contract does come up on credit referencing as retail communication agreement as for them to give you it in the first place they need to do a credit search.