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Using your credit card to regularly pay your internet bills, phone bills or utility bills like water and electricity can help build a positive credit history.

The biggest single influence on your credit scores is paying bills on time, and historically that’s meant credit bills-payments on loans, credit cards and other debts.

But now credit scores can benefit from timely utility and service payments as well.

Credit utilization is one reason your credit score could drop a little after you pay off your debt.