What type of credit is used for utilities?

Utilities typically use a type of credit known as "utility credit" or "utility payment history." This credit is based on your payment history for services like electricity, water, and gas. While not a formal credit score, consistent, on-time payments can positively impact your creditworthiness and may be reported to credit bureaus, helping to establish or improve your credit profile. Conversely, late payments can negatively affect your credit.