Owlie-
Most utilities don't report to Credit Bureaus for good stuff. Sometimes not even bad stuff. So they're not building up your credit, sadly. Learned this one the hard way. Indysteel has given you wise advice - one card, pay it off monthly (but do use it). That will help. Credit does take time to build, though....



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It might not be fun, but at least you'd be actively moving...
will be approaching before we know it. We can always get folks together for some skiing.

It took you 4 MONTHS to heal completely - while I understand it was a bad bite need it have taken quite so long? Regardless, thank you for finally getting with the program and healing!