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the claim

Utility payments can improve your credit score.

the verdict
CONTESTED PARTIAL
Recorded sources
3 sources for · 1 against

Counts group repeated records of the same source within each side. They do not measure evidence strength or source independence.

Is it true that utility payments can improve your credit score?

Partly. A Stack Exchange answer says rent or utility payments can probably improve a credit score, and a Pune study says alternative scoring models use utility payments as an indicator for informal SME lending. A college textbook lists on-time bill payment as the main score improver but does not address utility-payment reporting, and an NBER paper finds digital payments improved credit access in India rather than scores.

Verdict: CONTESTED PARTIAL · 3 sources for, 1 against · Last checked

Evidence for · 3
Do I need to open a credit card to improve my average credit score?
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Do I need to open a credit card to improve my average credit score?. (n.d.). money.stackexchange.com. https://money.stackexchange.com/questions/106281

Evidence against · 1
OpenStax College Success: 10.4 Credit Cards and Other Debt
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OpenStax College Success: 10.4 Credit Cards and Other Debt. (n.d.). openstax.org. https://openstax.org/books/college-success/pages/49410e25-378a-42b4-8492-ab70a97fa67c@

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More for · 2
Breaking Barriers to Financial Access: Cross-Platform Digital Payments and Credit Markets
2024
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Alok, S., Ghosh, P., Kulkarni, N., & Puri, M. (2024). Breaking Barriers to Financial Access: Cross-Platform Digital Payments and Credit Markets. nber.org. https://www.nber.org/papers/w33259

AI-Driven Credit Scoring for Informal SMES: Evidence from Pune's Industrial Clusters
2026
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Khan, D. N. & Peerzade, D. R. (2026). AI-Driven Credit Scoring for Informal SMES: Evidence from Pune's Industrial Clusters. zenodo.org. https://doi.org/10.5281/zenodo.19367893

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held for human review16 Oct 2026
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