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Mikeynbree2521
Level 2
April 24, 2019
Solved

Paying off debt

I got an electric bill of $184 if I pay it completely off in one payment will it help my credit or make it worse??
    bluedeb
    bluedebAnswer
    Alumni - Champ
    April 24, 2019

    If there is an item on your credit report you don't know about, you can dispute the item.  Or, if you think it is yours, you can ask them what it is.  

    How do I dispute an error on my credit report?

    https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/

    View in thread

    5 replies

    bluedeb
    Alumni - Champ
    bluedebAlumni - Champ
    Alumni - Champ
    April 24, 2019

    Electric bills are not on a credit report.  Payment history with cable, cellphone, electric and gas bills generally aren't reported to credit bureaus and aren't traditionally used in credit scoring models, but they are the basis for the new FICO score

      Mikeynbree2521Author
      Level 2
      April 24, 2019
      How do I find out where the $184 come from then?
      bluedeb
      Alumni - Champ
      bluedebAlumni - ChampAnswer
      Alumni - Champ
      April 24, 2019

      If there is an item on your credit report you don't know about, you can dispute the item.  Or, if you think it is yours, you can ask them what it is.  

      How do I dispute an error on my credit report?

      https://www.consumerfinance.gov/ask-cfpb/how-do-i-dispute-an-error-on-my-credit-report-en-314/

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