If you are just starting out and have no credit history or if your score is below 680, you have a few options.Rod Griffin, the senior director of consumer education and advocacy for“It can help you add your positive cell phone payments,” Griffin said. “Your positive utility payments even your streaming services like Netflix to your credit report that could help improve your credit scores.”
Historically, cell phone companies and utilities didn’t report positive information, they only reported accounts in collection. But with this product, you can get credit for keeping your account in good standing.works much in the same way as Experian Boost by allowing lenders to see your positive banking account activity including how much money you have in your accounts, how long you’ve had those accounts and how much you use them.
Growing your credit score to 680 and beyond will make it easier, and usually cheaper, to borrow money.
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