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"I have NEVER had a utility show up on my credit report. Do they only show up if you're late or in default?"

It's possible… the phone account was obviously in bad shape (without my knowledge), but my electric bill was in good standing, and still showed up on the report. Maybe it's a regional thing – I live in CT, and the companies here (United Illuminating, SNET, etc.) may choose to report.

Mike
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