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Detailed explanation-1: -With rent, phone bills, electric bills, and other utilities, on-time payments or one late payment won’t make any difference to your credit score, because they’re not considered credit accounts by the three major credit bureaus.

Detailed explanation-2: -Even a single late or missed payment may impact credit reports and credit scores. But the short answer is: late payments generally won’t end up on your credit reports for at least 30 days after the date you miss the payment, although you may still incur late fees.

Detailed explanation-3: -Phone bills for service and usage are not usually reported to major credit bureaus, so you won’t build credit when paying these month to month. However, through certain credit monitoring services, you can manually add up to 24 months of payment history to your report.

Detailed explanation-4: -Highlights: Making a late payment. Having a high debt to credit utilization ratio. Applying for a lot of credit at once. Closing a credit card account. Stopping your credit-related activities for an extended period.