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hi my name is john ulzheimer and im a credit expert who contributes to creditcardinsider.com todays question is this does my cell phone contract or my cell phone account help me to build credit the answer the question unfortunately is no traditionally speaking cell phone accounts and other types of you know the utilities and quasi utilities its like cable do not help you build credit and the primary reason they do not help you build credit is because they are traditionally not reported to the three major credit reporting agencies Equifax Experian and TransUnion and of course if something is not reported to your credit reports then there is no way that it can help you build credit and theres no way that it can help you build or improve your credit scores the there are some other examples of these types of accounts that do not build credit insurance if youre paying your insurance some people pay their insurance and installment payments every month generally not on your credit report
