> Experian claims utilities don't report unless you don't pay: https://www.experian.com/blogs/ask-experian/can-unpaid-utili https://www.experian.com/blogs/ask-e

> Experian claims utilities don't report unless you don't pay: https://www.experian.com/blogs/ask-experian/can-unpaid-utili https://www.experian.com/blogs/ask-experian/can-unpaid-utili... but I don't know if I'd trust it My experience is that this is true. I literally have no credit, as in, reports from all 3 credit agencies returns with nada. mid-40's and I made this decision in college, and don't regret it. I certainly have utility bills. There may be exceptions out there, but not in any of the municipalities I've lived in over the years.