Paying a phone bill and paying rent are close enough to the same kind of thing that it's rational to conclude someone who pays late or fails to pay one of those

Paying a phone bill and paying rent are close enough to the same kind of thing that it's rational to conclude someone who pays late or fails to pay one of those might also be delinquent on the other. A score based on bill payment history is just a credit score, not a social credit score.