Contact your utility company and ask them to report your information with all three bureaus. Keep in mind that not all utility companies are able to provide this option, so seek out companies that give you this option.
A debit to capital and and a credit tocash
If the bill was in your name, there is really nothing you can do about it. Sorry, but... the CR's are not concerned if your roomie didn't pay.
How do I report an unpaid bill to a credit bureau?
Utility rebates are not reported as income as cited in IRS publication 17 under "utility rebates". A reduction in the purchase price of electricity to your home or a nonrefundable credit to the price of your utility bill are not required to be reported as income
[Debit] Utility bill 160 [Credit] Cash 160
Sure! Assuming that the utility bill is delinquent, refer to the following points below. 1. If it is on your credit report, it will come off after 7 years. 2. You can negotiate with the utility company to pay for removal from your credit report, or at least update it to paid. 3. If the debt is reporting inaccurately, you can dispute it with the credit bureaus in order to have it removed.
A debit to capital and and a credit tocash
If the bill was in your name, there is really nothing you can do about it. Sorry, but... the CR's are not concerned if your roomie didn't pay.
How do I report an unpaid bill to a credit bureau?
Utility rebates are not reported as income as cited in IRS publication 17 under "utility rebates". A reduction in the purchase price of electricity to your home or a nonrefundable credit to the price of your utility bill are not required to be reported as income
Write a letter of dispute to the credit repository. Include copies of your drivers license, social security card, utility bill, and your bankruptcy papers showing the referenced account. Ask that the bureau remove all notations other than "included (or discharged) in bankruptcy". Request a complete credit report after the account has been corrected. Repeat, as needed.
[Debit] Utility bill 160 [Credit] Cash 160
Yes
Utility companies are not credit grantors. You are not borrowing money to be paid back in a specific time period. You are paying for a service when you pay your utility bill.
This is the same with every lender, and a common misquoted answer: Before your credit score will be affected by a late payment, you must be 30 days late on your bill. Yet, there is one more caveat, you need to be working with a creditor that actually reports to the credit bureaus. Many creditors do not report to the credit bureaus and have then, a late payment will have no impact on your credit score. That being said, do not assume that is normal, as most lenders do. Typically, creditors that do not report to the credit bureaus, are small banks, utility companies, cell phone providers, and the likes. One point of caution, if you don't pay your small bank, utility bill, or cell phone bill, even though they do not report the payment history to the credit bureaus, they will send your bill to collections and ultimately, that will hurt your credit. Obviously, the best thing to do is to pay your bills each month.
The credit bureaus do not care about utilities. I have never known a utility bill to appear on a credit report from the big three. It's the unsecured and larger debts (mortgage and car) they tend to be interested in. The theory is that the utility just shuts off your power. No problem. I moved out of my apartment in 1993 and unknowingly left a 123.00 phone bill. Last year, SBC took over Ameritech and they said they had new "collection procedures" and contacted me at my house. This is 12 years later. It was actually a collection agency that contacted me. When I checked my credit report a few months ago, it was listed as a collection and there was several collection "marks" listed for the last few months, so it does occasionally get placed on credit report. I paid it the 1st day they called my home by the way and it was still reported as a collection and that they were "unable to locate" me.
If you are referring to a utility bill, such as electric or water, that would be a liability.