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Message: <blockquote data-quote="woc47" data-source="post: 3627861" data-attributes="member: 555590">Here is one for you tho.... If you were to go delinquint and not pay a bill they report it on your credit as a collection which damages your scores significantly even after it is satisfied (paid in full). But if you are a good customer and always pay your bills on time they do not report the positive payment history which has no positive effect.Basically cell phone companies qualify you based upon credit because they are opening a line of credit but what i don't get is if it is considered a line of credit than they need to reflect it in the credit report so that you can build your credit based upon payment history...... Just a little food for thought !</blockquote>

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