Contact your utility company and ask them to report your information with all three bureaus. Keep in mind that not all utility companies are able to provide this option, so seek out companies that...
I believe the Consumer Credit Reporting Act refers to the Fair Credit Reporting Act or FCRA which is a consumer protection law. This law was enacted in 1971 and designed to protect consumers from...
The Consumer Credit Protection Act of 1968 assures that every consumer with a need for credit is given meaningful information with respect to the cost of that credit.
No. Not unless they send you your warnings and notices of late payments. Than if no action has been taking to pay it of, they will let you know your bill has been sent to collections.