Bills That Are Reported to Credit Bureaus

Almost all monthly billing accounts will show up on your credit report. This includes monthly payments for utilities, credit cards and personal loans. There are also several other types of bills, such as those for medical services, that you may not think apply to your credit score but can in fact have a negative impact if you don't pay them in a timely manner.

Credit Card Bills

Credit card companies report your payment status to at least one of the three major credit reporting bureaus. Many card companies report to all three. This can, of course, be beneficial as long as you pay your credit card bills on time. Credit card companies have the right to report even one late payment on any account. Once reported, a delinquent payment remains on your credit report for at least seven years.

Utility Bills

Utilities, such as telephone and electric companies, may not report timely payments made on accounts to credit bureaus but will not hesitate to turn defaulted accounts or bad debts over to collection agencies, who will report your delinquency to major credit reporting bureaus. It's important to work out a payment arraignment with utilities to avoid collections proceedings, as this could affect your ability to secure utilities cheaply in the future.

Medical Bills

Medical bills can show up on your credit report in the event your health insurance refuses to pay a claim or is slow in paying out a properly filed claim. These bills are often large and can significantly affect your credit report in a negative way, according to Legal Match's website. It is important to be aggressive in ensuring you are properly billed for medical services performed and that your insurance company pays filed claims in accordance with your policy.

Parking Tickets

That's right--all those parking tickets can show up on your credit report and make it harder for you to secure a better interest rate on a loan, according to MSN Money. These debts won't go to collections and you may never be contacted about paying them other than being picked up on an outstanding bench warrant when you're pulled over for speeding. Paying these debts on time is perhaps more important than others because these bills could cause legal trouble.