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Q: Utility companies & credit bureau reports ( Answered 5 out of 5 stars,   1 Comment )
Subject: Utility companies & credit bureau reports
Category: Business and Money
Asked by: seancassell-ga
List Price: $15.00
Posted: 16 Nov 2006 13:00 PST
Expires: 16 Dec 2006 13:00 PST
Question ID: 783346
I have been told by a friend that Rogers Wireless (a cellular phone
provider in Canada) is considered a "utility company" by the Canadian
credit bureaus (Equifax & Trans Union), and that accounts with utility
companies cannot factor into your credit score in Canada (but may
appear on your report nonetheless). Is this true?
Subject: Re: Utility companies & credit bureau reports
Answered By: denco-ga on 16 Nov 2006 20:41 PST
Rated:5 out of 5 stars
Howdy seancassell-ga,

What you were told does not appear to be the case.

"Canada's Office of Consumer Affairs"

"Always pay your bills on time. Although the payment of your utility bills,
such as phone, cable and electricity, is not recorded in your credit report,
some cell phone companies may report late payments to the credit-reporting
agencies, which could affect your score."

Although I could not find proof that Rogers Wireless is considered or
not considered an utility company by the Canadian credit bureaus, I
did find
they will do as the above Consumer Affairs statement says they may do, and
report a late payment to the credit agencies.

The following example is to the extreme, but illustrates that point.  If you
will scroll to point "44" on this page of the "Tea with Ted Rogers" website
you will see references to credit reports being made for alleged "overdue"
payments.  It appears in this case that such reports were falsely made.

So, reports can be made, false or otherwise, by Rogers Wireless. In the case
noted above, they appear to factor into the credit score of a person as well,
as supported by the Consumer Affairs statement.

If you need clarification, please feel free to ask.

Search strategy:

Google search on: "Rogers Communications" "credit report"

Google search on: Canada "credit score" utilities

Looking Forward, denco-ga - Google Answers Researcher
seancassell-ga rated this answer:5 out of 5 stars
The answer was clear & concise, and fully resolved my inquiry.

Subject: Re: Utility companies & credit bureau reports
From: denco-ga on 22 Nov 2006 17:47 PST
Glad to have been of service, seancassell-ga, and much thanks for the 5 star

Looking Forward, denco-ga - Google Answers Researcher

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