So, do cell phone and home phone lines count as open credit on a credit report?
Answer Cell and phone companies do not report your payment history to the credit report agencies (they report only collection accounts) but they can be used as “alternative” credit accounts. If you can get them to provide you with letters showing that you’ve been making your payments on time, the lender will use the letters as part of your credit history. The same applies to your gas and electric bills, as well as your rent payments.
