SAR1954 wrote: I just read somewhere, where a person can request to have positive payment histories added to their credit reports, such as for utilities. This can be done by working with the company or on your own, has anyone in this forum ever done this that can speak to it?

I've never heard of it either. I thought credit agencies picked what they wanted to report. I thought the main bills don't get reported on. Maybe I'll try to have these items reported on my score.

I've never heard of anyone doing this before. I didn't even know that you could request such a thing. I just thought that your score was based on your ability to make payments on time and not have such a large debt to income ratio. So, your utility bill doesn't count towards your credit score? What about cell phone bills?

That is a very interesting question, and I have heard a few people going down this route. I agree with FrugalFran that they are generally very difficult to deal with, and it may not be worth all the trouble though.

That's interesting, but I wonder how much of a headache it would be. I am so turned off when it comes to trying to get the credit bureaus to make changes on a credit report. They are so difficult to work with.

I just read somewhere, where a person can request to have positive payment histories added to their credit reports, such as for utilities. This can be done by working with the company or on your own, has anyone in this forum ever done this that can speak to it?

I am looking to boost my Trans-Union Credit Score (and of course the other Majors but with a focus on Trans-Union). I am looking for advice on the best way to bump my score up anywhere between 20-40 points.