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its time for Q a with the credit game does a cell phone build credit or get you declined there are five types of accounts that show up and build your credit credit cards lines of credit loans leases mortgages and cell phones as long as it is used properly a cell phone will build your credit but most lenders dont take these accounts very seriously if ranked on which credit builds your credit the fastest a cell phone would come in last leaving with only a participation certificate problems with the cell phone is a common reason why Canadians are getting declined for Best Rate financing especially when it comes to mortgages a cell phone isnt open or what is called an O account which means the balance has to be paid in full each month even if you are a dollar short it will lower your score and make it harder for you to get approved for best rates down the road making random payments is enough to keep your cell phone connected but unless you pay the full bill every month your cell phone
