I, not my spouse, had to file bankruptcy a few years back due to medical bills and my score is “fair”, not quite 650. My spouse does not have a credit rating because everything was in my name, therefore she cannot get a credit card or loan. We have apartment rent, checking accounts and utility bills, all of which have been in excellent standing for a couple of years now. So, are rental companies, banks and utility companies required to report to the credit bureaus? If not is there a way for me to prove we are in excellent standing with all of these companies in order to up our credit scores?
Sign up for Experian Boost. They will view your utility payments and monitor the status of your checking account. If everything is in good standing, that will show on your credit report.
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