{"id":32812,"date":"2025-03-26T12:08:05","date_gmt":"2025-03-26T16:08:05","guid":{"rendered":"https:\/\/staging.jgwentworth.com\/resources\/"},"modified":"2025-03-26T12:12:08","modified_gmt":"2025-03-26T16:12:08","slug":"do-utility-bills-affect-your-credit-score","status":"publish","type":"post","link":"https:\/\/www.jgwentworth.com\/resources\/do-utility-bills-affect-your-credit-score","title":{"rendered":"Do Utility Bills Affect Your Credit Score?"},"content":{"rendered":"<?xml encoding=\"UTF-8\"><?xml encoding=\"UTF-8\"><div data-elementor-type=\"wp-post\" data-elementor-id=\"32812\" class=\"elementor elementor-32812\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7339374c e-flex e-con-boxed e-con e-parent\" data-id=\"7339374c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-1236ee26 e-con-full elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"1236ee26\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-6c44aaf0 blog-post-cta e-con-full elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-widescreen elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"6c44aaf0\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7200b1e6 elementor-widget elementor-widget-heading\" data-id=\"7200b1e6\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">On this page<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-bbb7f96 elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"bbb7f96\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6d03aa9b elementor-widget elementor-widget-heading\" data-id=\"6d03aa9b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 1<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76f5c6fc elementor-widget elementor-widget-heading\" data-id=\"76f5c6fc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 2<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-14c4d4bd elementor-widget elementor-widget-heading\" data-id=\"14c4d4bd\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 3<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4eb192dc elementor-widget elementor-widget-heading\" data-id=\"4eb192dc\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 4<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-396d4817 elementor-widget elementor-widget-heading\" data-id=\"396d4817\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 5<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-32b4cf5f elementor-widget-tablet__width-inherit elementor-widget elementor-widget-heading\" data-id=\"32b4cf5f\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Jump to section 6<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-15b0341 e-con-full e-flex e-con e-child\" data-id=\"15b0341\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-306d0675 e-con-full e-flex e-con e-child\" data-id=\"306d0675\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-264be580 elementor-widget elementor-widget-heading\" data-id=\"264be580\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">What's next<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-612b714c elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"612b714c\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70e64a49 elementor-grid-1 elementor-widget__width-initial elementor-widget-tablet__width-initial elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"70e64a49\" data-element_type=\"widget\" data-settings='{\"template_id\":\"5707\",\"columns\":1,\"_skin\":\"post\",\"columns_tablet\":\"2\",\"columns_mobile\":\"1\",\"edit_handle_selector\":\"[data-elementor-type=\\\"loop-item\\\"]\",\"row_gap\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_widescreen\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_laptop\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_tablet_extra\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_tablet\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_mobile_extra\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]},\"row_gap_mobile\":{\"unit\":\"px\",\"size\":\"\",\"sizes\":[]}}' data-widget_type=\"loop-grid.post\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div 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.elementor-element.elementor-element-ab917a4{--width:50%;--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:flex-start;--align-items:center;}.elementor-5707 .elementor-element.elementor-element-1c721395{--flex-direction:row;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--justify-content:flex-start;--align-items:flex-start;}.elementor-5707 .elementor-element.elementor-element-4e39701{--flex-direction:row;--container-widget-width:initial;--container-widget-height:100%;--container-widget-flex-grow:1;--container-widget-align-self:stretch;--flex-wrap-mobile:wrap;--gap:4px 4px;--row-gap:4px;--column-gap:4px;}.elementor-5707 .elementor-element.elementor-element-2ae5ee4b .elementor-heading-title{font-size:18px;line-height:28px;}}\n\n\n\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-4e39701 *\/.blog-post-v-meta {\n}\/* End custom CSS *\/\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-765d732 *\/.blog-post-v-category {\n    overflow: hidden;\n    text-overflow: ellipsis;\n    max-width: 50%;\n    white-space: nowrap;\n}\n\na.blog-post-card {\n    text-decoration: none;\n    font-weight: 700;\n}\/* End custom CSS *\/\n<\/style><?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-23367 post-23367 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/11-word-phrase-to-stop-debt-collectors\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"300\" height=\"183\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-300x183.jpg\" class=\"attachment-medium size-medium wp-image-23368\" alt=\"Stopping debt collectors\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-300x183.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-1024x626.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors-768x470.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/07\/Stopping-debt-collectors.jpg 1310w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Feb 4, 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">11 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What is the 11-Word Phrase to Stop Debt Collectors?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-9119 post-9119 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-get-a-debt-lawsuit-dismissed\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"169\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-300x169.jpg\" class=\"attachment-medium size-medium wp-image-11199\" alt=\"Judge Dismissing Debt Lawsuit\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-300x169.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit-768x432.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Judge-Dismissing-Debt-Lawsuit.jpg 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Aug 14, 2025<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">10 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Get a Debt Lawsuit Dismissed<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-13832 post-13832 post type-post status-publish format-standard has-post-thumbnail hentry category-annuity-purchasing tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/when-should-i-start-taking-money-out-of-my-annuity\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" width=\"300\" height=\"225\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-300x225.webp\" class=\"attachment-medium size-medium wp-image-13833\" alt=\"man breaking piggy bank\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-300x225.webp 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg-768x576.webp 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/Icon-of-man-about-to-break-piggy-bank.jpg.webp 1024w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Annuity Purchasing<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Apr 3, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">When Should I Start Taking Money Out of My Annuity?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"5707\" class=\"elementor elementor-5707 e-loop-item e-loop-item-12417 post-12417 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-765d732 e-con-full blog-post-card e-flex e-con e-parent\" data-id=\"765d732\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/can-i-still-use-my-credit-card-after-debt-consolidation\">\n\t\t<div class=\"elementor-element elementor-element-754d47d5 e-con-full e-flex e-con e-child\" data-id=\"754d47d5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7bfe12be elementor-widget__width-initial elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"7bfe12be\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"300\" height=\"200\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg\" class=\"attachment-medium size-medium wp-image-12418\" alt=\"man with phone and credit card\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1024x683.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1536x1024.jpg 1536w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-2048x1365.jpg 2048w\" sizes=\"(max-width: 300px) 100vw, 300px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-ab917a4 e-con-full e-flex e-con e-child\" data-id=\"ab917a4\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-1c721395 e-con-full e-flex e-con e-child\" data-id=\"1c721395\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-d92f2ba e-con-full e-flex e-con e-child\" data-id=\"d92f2ba\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-07b6235 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"07b6235\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-ff0c746 elementor-widget elementor-widget-shortcode\" data-id=\"ff0c746\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-4e39701 e-con-full blog-post-v-meta e-flex e-con e-child\" data-id=\"4e39701\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab0ff7d elementor-widget elementor-widget-heading\" data-id=\"1ab0ff7d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mar 20, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f0da9b9 elementor-widget elementor-widget-heading\" data-id=\"f0da9b9\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-76e2f415 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"76e2f415\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2ae5ee4b elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"2ae5ee4b\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2a78c969 e-con-full blog-post-cta elementor-hidden-desktop elementor-hidden-tablet elementor-hidden-mobile elementor-hidden-widescreen elementor-hidden-laptop elementor-hidden-tablet_extra elementor-hidden-mobile_extra e-flex e-con e-child\" data-id=\"2a78c969\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-46c84384 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"46c84384\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Earn a high-yield savings rate with JG Wentworth Debt Relief<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5633922c elementor-widget elementor-widget-heading\" data-id=\"5633922c\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-heading-title elementor-size-default\"><a href=\"#\">Start Saving &gt;<\/a><\/div>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-51b7bed2 e-con-full e-flex e-con e-child\" data-id=\"51b7bed2\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-57c8114c elementor-widget elementor-widget-template\" data-id=\"57c8114c\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1978\" class=\"elementor elementor-1978\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-41c6ac9b e-flex e-con-boxed e-con e-parent\" data-id=\"41c6ac9b\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t<div class=\"elementor-element elementor-element-de6340d e-con-full blog-breadcrumb e-flex e-con e-child\" data-id=\"de6340d\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51eb5ed2 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51eb5ed2\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"\/our-blog\">BLOG<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-661a8a8d elementor-widget__width-initial icon-12 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"661a8a8d\" data-element_type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg aria-hidden=\"true\" class=\"e-font-icon-svg e-fas-chevron-right\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M285.476 272.971L91.132 467.314c-9.373 9.373-24.569 9.373-33.941 0l-22.667-22.667c-9.357-9.357-9.375-24.522-.04-33.901L188.505 256 34.484 101.255c-9.335-9.379-9.317-24.544.04-33.901l22.667-22.667c9.373-9.373 24.569-9.373 33.941 0L285.475 239.03c9.373 9.372 9.373 24.568.001 33.941z\"><\/path><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6968b394 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"6968b394\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jgwentworth.com\/category\/debt-resolution\" rel=\"tag\">Debt Resolution<\/a><\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-7ff6eaf5 elementor-widget elementor-widget-heading\" data-id=\"7ff6eaf5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h1 class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3246123b e-con-full e-flex e-con e-child\" data-id=\"3246123b\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3bfedb00 elementor-widget elementor-widget-heading\" data-id=\"3bfedb00\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">by<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5f650a5 elementor-widget elementor-widget-heading\" data-id=\"5f650a5\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">JG Wentworth<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4855ac56 elementor-widget elementor-widget-heading\" data-id=\"4855ac56\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-660d6a54 elementor-widget elementor-widget-heading\" data-id=\"660d6a54\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">March 20, 2024<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-60e45cc7 elementor-widget elementor-widget-heading\" data-id=\"60e45cc7\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2c907c8d elementor-widget elementor-widget-heading\" data-id=\"2c907c8d\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">5 min<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-172dec19 elementor-widget__width-initial elementor-widget-mobile__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"172dec19\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img loading=\"lazy\" decoding=\"async\" width=\"768\" height=\"512\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg\" class=\"attachment-medium_large size-medium_large wp-image-12418\" alt=\"man with phone and credit card\" srcset=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-768x512.jpg 768w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-300x200.jpg 300w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1024x683.jpg 1024w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-1536x1024.jpg 1536w, https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/06\/man-with-phone-and-credit-card-2048x1365.jpg 2048w\" sizes=\"(max-width: 768px) 100vw, 768px\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b8c71c5 e-con-full e-flex e-con e-child\" data-id=\"2b8c71c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-50e48f76 elementor-widget elementor-widget-text-editor\" data-id=\"50e48f76\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>In the complex world of personal finance, many consumers wonder about the relationship between their monthly utility payments and <a href=\"https:\/\/marketplace.jgwentworth.com\/resources\/understanding-credit-scores\" target=\"_blank\" rel=\"noopener noreferrer\">their credit scores<\/a>. The question &ldquo;Do utility bills affect credit scores?&rdquo; doesn&rsquo;t have a simple yes or no answer&mdash;it&rsquo;s nuanced and depends on several factors. To see which of these factors my apply to you, let&rsquo;s take a closer look at the connection between utility bills and credit scores, providing you with the knowledge needed to make informed decisions about your financial health.<\/p><h2>Utility bills typically don&rsquo;t appear on credit reports<\/h2><p>Historically, utility companies&mdash;providers of electricity, water, gas, internet, and phone services&mdash;have not routinely reported payment information to the three major credit bureaus (Equifax, Experian, and TransUnion). This means that, unlike credit card payments or mortgage payments, your on-time utility payments generally weren&rsquo;t building your credit score.<\/p><h2>When utility bills could negatively impact your credit<\/h2><p>Despite not being regularly reported, utility bills could still affect your credit score negatively in the following scenarios:<\/p><ol><li><strong>Accounts in collections:<\/strong> If you fall significantly behind on payments (typically 30-90 days, depending on the provider), utility companies may send <a href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-know-if-debt-is-in-collections\">your account to collections<\/a>. Collection accounts are reported to credit bureaus and can severely damage your credit score.<\/li><li><strong>Hard inquiries:<\/strong> When opening new utility services, some providers perform credit checks that result in hard inquiries on your report. While a single hard inquiry typically has minimal impact (lowering scores by about 5-10 points), multiple inquiries in a short period can be more damaging.<\/li><li><strong>Judgments from lawsuits:<\/strong> If a utility company <a href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-get-a-debt-lawsuit-dismissed\">successfully sues you for unpaid bills<\/a>, the resulting judgment may appear on your credit report in some jurisdictions.<\/li><\/ol><h2>Opt-in reporting services<\/h2><p>The relationship between utility payments and credit scores has been evolving, with several programs now allowing consumers to have their utility payment history included in credit reports:<\/p><ul><li><strong>Experian Boost:<\/strong> Launched in 2019, this free service allows consumers to connect their bank accounts to Experian, which then identifies utility and telecom payment histories and adds them to their Experian credit report. This can positively impact FICO&reg; Scores based on Experian data.<\/li><li><strong>UltraFICO:<\/strong> This scoring model incorporates banking activity, including utility payment history from your checking account, to supplement traditional credit information.<\/li><li><strong>eCredable Lift:<\/strong> This service reports utility payment history to TransUnion, potentially improving your credit profile.<\/li><\/ul><h3>Alternative credit data and scoring models<\/h3><p>The credit industry is increasingly recognizing the value of &ldquo;alternative data&rdquo; in assessing creditworthiness:<\/p><ul><li><strong>FICO&reg; Score XD:<\/strong> Uses alternative data, including utility payment history, to generate scores for consumers with limited traditional credit histories.<\/li><li><strong>VantageScore 4.0:<\/strong> Places greater emphasis on payment patterns over time, including utilities when available.<\/li><\/ul><h2>The impact of utility bills on different consumer segments<\/h2><p>Which category do you fall into?<\/p><ul><li><strong>Credit invisible consumers:<\/strong> An estimated 26 million Americans are &ldquo;credit invisible,&rdquo; meaning they have no credit history with major credit bureaus. For these consumers, having utility payments reported can be transformative, providing a path to establishing credit.<\/li><li><strong>Consumers with established credit:<\/strong> For those with established credit histories, the impact of adding utility payment information is typically modest&mdash;perhaps a few points in either direction depending on payment history.<\/li><\/ul>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-015c2c1 elementor-widget elementor-widget-template\" data-id=\"015c2c1\" data-element_type=\"widget\" id=\"cta-sticky\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"23771\" class=\"elementor elementor-23771\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-5f3ec3c9 e-con-full e-flex e-con e-child\" data-id=\"5f3ec3c9\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\",\"sticky\":\"top\",\"sticky_offset\":73,\"animation\":\"none\",\"sticky_offset_mobile\":63,\"sticky_on\":[\"widescreen\",\"desktop\",\"laptop\",\"tablet_extra\",\"tablet\",\"mobile_extra\",\"mobile\"],\"sticky_effects_offset\":0,\"sticky_anchor_link_offset\":0}'>\n\t\t<div class=\"elementor-element elementor-element-f6bac85 e-con-full e-flex e-con e-child\" data-id=\"f6bac85\" data-element_type=\"container\" id=\"cta-sticky-message\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e88a0bf elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"3e88a0bf\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Start Your Free Debt Relief Consultation<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-6a5d667b elementor-widget elementor-widget-button\" data-id=\"6a5d667b\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-button-link elementor-size-sm\" href=\"https:\/\/www.jgwentworth.com\/debt-step3\" target=\"_blank\" impression=\"1\" data-name=\"Apply Now\" data-parent=\"floating CTA\" data-type=\"button\" id=\"cta-sticky-btn\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">Apply Now<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-72a6d5c e-con-full e-flex e-con e-child\" data-id=\"72a6d5c\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-351b91e elementor-align-right elementor-mobile-align-center elementor-widget elementor-widget-button\" data-id=\"351b91e\" data-element_type=\"widget\" data-widget_type=\"button.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-button-wrapper\">\n\t\t\t\t\t<a class=\"elementor-button elementor-size-sm\" role=\"button\" id=\"cta-sticky-exit\">\n\t\t\t\t\t\t<span class=\"elementor-button-content-wrapper\">\n\t\t\t\t\t\t\t\t\t<span class=\"elementor-button-text\">X<\/span>\n\t\t\t\t\t<\/span>\n\t\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-4e02535 elementor-widget elementor-widget-template\" data-id=\"4e02535\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"24220\" class=\"elementor elementor-24220\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fc3fb7b e-con-full blog-details-form-container e-flex e-con e-child\" data-id=\"fc3fb7b\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-95a3473 elementor-widget elementor-widget-text-editor\" data-id=\"95a3473\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Take your next step towards being debt-free<\/h2>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-dac006f eael-gravity-form-button-full-width elementor-widget elementor-widget-eael-gravity-form\" data-id=\"dac006f\" data-element_type=\"widget\" data-widget_type=\"eael-gravity-form.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t<div class=\"eael-contact-form eael-gravity-form eael-contact-form-align-default\">\n\t\t        <script src=\"https:\/\/www.jgwentworth.com\/wp-includes\/js\/jquery\/jquery.min.js?ver=3.7.1\"><\/script><script src=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/jgw-multistep-form\/js\/jquery.inputmask.min.js\"><\/script>    <script type=\"text\/javascript\">\n        document.addEventListener('DOMContentLoaded', function () {\n            function addSpinner(button) {\n                button.addEventListener('click', function () {\n                    var ajax_spinner = document.querySelector('img.gform_ajax_spinner');\n                    if (ajax_spinner) {\n                        ajax_spinner.remove();\n                    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form.querySelectorAll('input[type=\"submit\"], .gform_next_button');\n                if (buttons.length === undefined) {\n                    addSpinner(buttons);\n                } else {\n                    buttons.forEach(function (button) {\n                        addSpinner(button);\n                    });\n                }\n            }\n\n            var formId = '#gform_5';\n            var form = document.querySelector(formId);\n            if (form) {\n                initializeForm(form);\n            }\n\n            jQuery(document).on('gform_page_loaded', function (event, form_id, current_page) {\n                if (form_id == 5) {\n                    form = document.querySelector('#gform_' + form_id);\n                    if (form) {\n                        initializeForm(form);\n                    }\n                }\n            });\n\n            jQuery(document).on('gform_post_render', function (event, form_id, current_page) {\n                if (form_id == 5) {\n                    form = document.querySelector('#gform_' + form_id);\n                    if (form) {\n                        initializeForm(form);\n                    }\n                }\n            });\n        });\n\n        var css = document.createElement('style');\n        css.type = 'text\/css';\n        css.innerHTML = `\n            @keyframes spin { 0% { transform: rotate(0deg); } 100% { transform: rotate(360deg); } }\n            .gform_button_wrapper {\n                display: inline-block; \/* or block, depending on your layout *\/\n            }\n        `;\n        document.head.appendChild(css);\n    <\/script>\n        <script>\n      document.addEventListener('DOMContentLoaded', function() {\n        function getCookies() {\n          let cookies = {};\n          document.cookie.split(';').forEach(function(cookie) {\n            let [name, value] = cookie.split('=');\n            if (name && value) {\n              cookies[name.trim()] = decodeURIComponent(value);\n            }\n          });\n          return cookies;\n        }\n        function updateFields() {\n          \/\/ prepopulate fields with the referring URL\n          let refurls = document.querySelectorAll(`[data-name=\"referringurl\"]`);\n          refurls.forEach(function(inputField) {\n            inputField.value = window.location.href;\n          });\n          \/\/ prepopulate fields with those from cookies\n          let cookies = getCookies();\n          Object.keys(cookies).forEach(function(cookieName) {\n            let cookieValue = cookies[cookieName];\n            let matchingFields = document.querySelectorAll(`[data-name=\"${cookieName}\"]`);\n\n            matchingFields.forEach(function(inputField) {\n              inputField.value = cookieValue;\n            });\n          });\n          \/\/ prepopulate fields with those from query cookie if not already set from query string\n          if (cookies['query']) {\n            let query_cookie = JSON.parse(cookies['query']);\n            Object.keys(query_cookie).forEach(function(name) {\n              let value = query_cookie[name];\n              let matchingFields = document.querySelectorAll(`[data-name=\"${name}\"]`);\n\n              matchingFields.forEach(function(inputField) {\n                if (!inputField.value) {\n                  inputField.value = value;\n                }\n              });\n          });\n          }\n        }\n        updateFields();\n\n        \/\/ Listen for Gravity Forms page transitions\n        jQuery(document).on('gform_page_loaded', function() {\n          updateFields();\n        });\n      });\n    <\/script>\n        <style>\n          .move-consent-below-buttons {\n              visibility: hidden;\n              height: 0;\n          }\n      <\/style>\n      <script>\n        document.addEventListener('DOMContentLoaded', function () {\n          \/\/ move these classes under the buttons of their own page\n          jQuery('.move-consent-below-buttons').each(function (index, element) {\n            let parent = element.closest('.gform_page');\n            if (parent === null) {\n              parent = jQuery('form');\n            }\n            jQuery(element).parent().detach().appendTo(parent);\n            jQuery(element).css({\n              'visibility': 'visible',\n              'height': 'auto'\n            });\n          });\n          if (jQuery('.jgw-multi-step-form .gf_step_current_page').text() == '') {\n            jQuery('#dr-form-top-heading').css('visibility', 'hidden').css('height', '0');\n          }\n        });\n      <\/script>\n    <link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_reset-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-reset.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_foundation-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-foundation.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_theme_framework-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-theme-framework.min.css?ver=2.9.22\" media=\"all\">\n<link rel=\"preload\" as=\"style\" onload=\"this.onload=null;this.rel='stylesheet'\" id=\"gravity_forms_orbital_theme-css\" href=\"https:\/\/www.jgwentworth.com\/wp-content\/plugins\/gravityforms\/assets\/css\/dist\/gravity-forms-orbital-theme.min.css?ver=2.9.22\" media=\"all\">\n\n                <div class=\"gf_browser_unknown gform_wrapper gform-theme gform-theme--foundation gform-theme--framework gform-theme--orbital jgw-multi-step-form_wrapper moved-disclaimer-content_wrapper gf-save-value-dr-ef_wrapper\" data-form-theme=\"orbital\" data-form-index=\"0\" id=\"gform_wrapper_5\"><style>#gform_wrapper_5[data-form-index=\"0\"].gform-theme,[data-parent-form=\"5_0\"]{--gf-color-primary: #204ce5;--gf-color-primary-rgb: 32, 76, 229;--gf-color-primary-contrast: #fff;--gf-color-primary-contrast-rgb: 255, 255, 255;--gf-color-primary-darker: #001AB3;--gf-color-primary-lighter: #527EFF;--gf-color-secondary: #fff;--gf-color-secondary-rgb: 255, 255, 255;--gf-color-secondary-contrast: #112337;--gf-color-secondary-contrast-rgb: 17, 35, 55;--gf-color-secondary-darker: #F5F5F5;--gf-color-secondary-lighter: #FFFFFF;--gf-color-out-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-out-ctrl-light-rgb: 17, 35, 55;--gf-color-out-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-out-ctrl-light-lighter: #F5F5F5;--gf-color-out-ctrl-dark: #585e6a;--gf-color-out-ctrl-dark-rgb: 88, 94, 106;--gf-color-out-ctrl-dark-darker: #112337;--gf-color-out-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-color-in-ctrl: #fff;--gf-color-in-ctrl-rgb: 255, 255, 255;--gf-color-in-ctrl-contrast: #112337;--gf-color-in-ctrl-contrast-rgb: 17, 35, 55;--gf-color-in-ctrl-darker: #F5F5F5;--gf-color-in-ctrl-lighter: #FFFFFF;--gf-color-in-ctrl-primary: #204ce5;--gf-color-in-ctrl-primary-rgb: 32, 76, 229;--gf-color-in-ctrl-primary-contrast: #fff;--gf-color-in-ctrl-primary-contrast-rgb: 255, 255, 255;--gf-color-in-ctrl-primary-darker: #001AB3;--gf-color-in-ctrl-primary-lighter: #527EFF;--gf-color-in-ctrl-light: rgba(17, 35, 55, 0.1);--gf-color-in-ctrl-light-rgb: 17, 35, 55;--gf-color-in-ctrl-light-darker: rgba(104, 110, 119, 0.35);--gf-color-in-ctrl-light-lighter: #F5F5F5;--gf-color-in-ctrl-dark: #585e6a;--gf-color-in-ctrl-dark-rgb: 88, 94, 106;--gf-color-in-ctrl-dark-darker: #112337;--gf-color-in-ctrl-dark-lighter: rgba(17, 35, 55, 0.65);--gf-radius: 3px;--gf-font-size-secondary: 14px;--gf-font-size-tertiary: 13px;--gf-icon-ctrl-number: url(\"data:image\/svg+xml,%3Csvg width='8' height='14' viewBox='0 0 8 14' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M4 0C4.26522 5.96046e-08 4.51957 0.105357 4.70711 0.292893L7.70711 3.29289C8.09763 3.68342 8.09763 4.31658 7.70711 4.70711C7.31658 5.09763 6.68342 5.09763 6.29289 4.70711L4 2.41421L1.70711 4.70711C1.31658 5.09763 0.683417 5.09763 0.292893 4.70711C-0.0976311 4.31658 -0.097631 3.68342 0.292893 3.29289L3.29289 0.292893C3.48043 0.105357 3.73478 0 4 0ZM0.292893 9.29289C0.683417 8.90237 1.31658 8.90237 1.70711 9.29289L4 11.5858L6.29289 9.29289C6.68342 8.90237 7.31658 8.90237 7.70711 9.29289C8.09763 9.68342 8.09763 10.3166 7.70711 10.7071L4.70711 13.7071C4.31658 14.0976 3.68342 14.0976 3.29289 13.7071L0.292893 10.7071C-0.0976311 10.3166 -0.0976311 9.68342 0.292893 9.29289Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-select: url(\"data:image\/svg+xml,%3Csvg width='10' height='6' viewBox='0 0 10 6' fill='none' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath fill-rule='evenodd' clip-rule='evenodd' d='M0.292893 0.292893C0.683417 -0.097631 1.31658 -0.097631 1.70711 0.292893L5 3.58579L8.29289 0.292893C8.68342 -0.0976311 9.31658 -0.0976311 9.70711 0.292893C10.0976 0.683417 10.0976 1.31658 9.70711 1.70711L5.70711 5.70711C5.31658 6.09763 4.68342 6.09763 4.29289 5.70711L0.292893 1.70711C-0.0976311 1.31658 -0.0976311 0.683418 0.292893 0.292893Z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-icon-ctrl-search: url(\"data:image\/svg+xml,%3Csvg width='640' height='640' xmlns='http:\/\/www.w3.org\/2000\/svg'%3E%3Cpath d='M256 128c-70.692 0-128 57.308-128 128 0 70.691 57.308 128 128 128 70.691 0 128-57.309 128-128 0-70.692-57.309-128-128-128zM64 256c0-106.039 85.961-192 192-192s192 85.961 192 192c0 41.466-13.146 79.863-35.498 111.248l154.125 154.125c12.496 12.496 12.496 32.758 0 45.254s-32.758 12.496-45.254 0L367.248 412.502C335.862 434.854 297.467 448 256 448c-106.039 0-192-85.962-192-192z' fill='rgba(17, 35, 55, 0.65)'\/%3E%3C\/svg%3E\");--gf-label-space-y-secondary: var(--gf-label-space-y-md-secondary);--gf-ctrl-border-color: #686e77;--gf-ctrl-size: var(--gf-ctrl-size-md);--gf-ctrl-label-color-primary: #112337;--gf-ctrl-label-color-secondary: #112337;--gf-ctrl-choice-size: var(--gf-ctrl-choice-size-md);--gf-ctrl-checkbox-check-size: var(--gf-ctrl-checkbox-check-size-md);--gf-ctrl-radio-check-size: var(--gf-ctrl-radio-check-size-md);--gf-ctrl-btn-font-size: var(--gf-ctrl-btn-font-size-md);--gf-ctrl-btn-padding-x: var(--gf-ctrl-btn-padding-x-md);--gf-ctrl-btn-size: var(--gf-ctrl-btn-size-md);--gf-ctrl-btn-border-color-secondary: #686e77;--gf-ctrl-file-btn-bg-color-hover: #EBEBEB;--gf-field-img-choice-size: var(--gf-field-img-choice-size-md);--gf-field-img-choice-card-space: var(--gf-field-img-choice-card-space-md);--gf-field-img-choice-check-ind-size: var(--gf-field-img-choice-check-ind-size-md);--gf-field-img-choice-check-ind-icon-size: var(--gf-field-img-choice-check-ind-icon-size-md);--gf-field-pg-steps-number-color: rgba(17, 35, 55, 0.8);}<\/style>\n                        <div class=\"gform_heading\">\n                            <p class=\"gform_description\"><\/p>\n\t\t\t\t\t\t\t<p class=\"gform_required_legend\">\"<span class=\"gfield_required gfield_required_asterisk\">*<\/span>\" indicates required fields<\/p>\n                        <\/div><form data-product=\"Debt Resolution\" data-type=\"Lead Submission\" data-name=\"DR Multi Step Form\" method=\"post\" enctype=\"multipart\/form-data\" target=\"gform_ajax_frame_5\" id=\"gform_5\" class=\"jgw-multi-step-form moved-disclaimer-content gf-save-value-dr-ef\" action=\"\/wp-json\/wp\/v2\/posts\/32812\" data-formid=\"5\" novalidate>\n        <div id=\"gf_progressbar_wrapper_5\" class=\"gf_progressbar_wrapper\" data-start-at-zero=\"\">\n        \t<p class=\"gf_progressbar_title\">Step <span class=\"gf_step_current_page\">1<\/span> of <span class=\"gf_step_page_count\">4<\/span><span class=\"gf_step_page_name\"> - Debt Amount<\/span>\n        \t<\/p>\n            <div class=\"gf_progressbar gf_progressbar_blue\" aria-hidden=\"true\">\n                <div class=\"gf_progressbar_percentage percentbar_blue percentbar_25\" style=\"width:25%;\"><span>25%<\/span><\/div>\n            <\/div><\/div><div class=\"gf_custom_steps\"><div class=\"gf_step completed \"><\/div><div class=\"gf_step_connector\"><\/div><div class=\"gf_step  current\"><\/div><div class=\"gf_step_connector\"><\/div><div class=\"gf_step  current\"><\/div><\/div>\n                        <div class=\"gform-body gform_body\"><div id=\"gform_page_5_1\" class=\"gform_page \" data-js=\"page-field-id-0\" data-number=\"1\" data-name=\"Debt Amount\">\n\t\t\t\t\t<div class=\"gform_page_fields\"><div id=\"gform_fields_5\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_21\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Choose your debt amount<\/h2><\/div><div id=\"field_5_14\" class=\"gfield gfield--type-number gfield--input-type-number gfield--width-full range-slider field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\">        <div class=\"ginput_container ginput_container_range\">\n            <div class=\"range-slider-block\">\n                <input data-api=\"credit_card_debt_amount\" data-name=\"credit_card_debt_amount\" name=\"input_14\" id=\"input_5_14\" type=\"range\" value=\"20000\" min=\"10000\" max=\"100000\" step=\"5000\" oninput='updateRangeValue(this, 14, \"10000\", \"100000\");'>\n                <span class=\"range-slider-min-value\">$10,000<\/span>\n                <span class=\"range-slider-max-value\">$100,000+<\/span>\n            <\/div>\n            <label for=\"range_value_14\" id=\"range_value_14\" class=\"range-slider-value-label\">\n                $20,000            <\/label>\n        <\/div>\n        <script>\n            function updateRangeValue(input, fieldId, min, max) {\n                var formattedValue = \"$\" + new Intl.NumberFormat().format(input.value.replace(\/,\/g, ''));\n                document.getElementById(\"range_value_\" + fieldId).textContent = formattedValue;\n            }\n        <\/script>\n        <\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                         <input type=\"button\" id=\"gform_next_button_5_15\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_2\" class=\"gform_page\" data-js=\"page-field-id-15\" style=\"display:none;\" data-number=\"2\" data-name=\"Zip Code\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_2\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_22\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Where are you located?<\/h2><\/div><div id=\"field_5_13\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full zipcode-validation field-400 overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_13\">Zip Code<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input inputmode=\"numeric\" data-api=\"zipcode\" data-name=\"zipcode\" name=\"input_13\" id=\"input_5_13\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div>        <script>\n            (function($) {\n                $(document).ready(function(){\n                    $('.zipcode-validation input').inputmask('99999');\n                });\n            })(jQuery);\n        <\/script><\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                        <input type=\"button\" id=\"gform_previous_button_5_17\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"button\" id=\"gform_next_button_5_17\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_3\" class=\"gform_page\" data-js=\"page-field-id-17\" style=\"display:none;\" data-event=\"submit\" data-number=\"3\" data-name=\"Contact Information\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_3\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_23\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Contact Information<\/h2><\/div><div id=\"field_5_9\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half first-name-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_9\">First Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"first_name\" data-name=\"first_name\" name=\"input_9\" id=\"input_5_9\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_10\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-half last-name-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_10\">Last Name<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_text\"><input data-api=\"last_name\" data-name=\"last_name\" name=\"input_10\" id=\"input_5_10\" type=\"text\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div><\/div><div id=\"field_5_11\" class=\"gfield gfield--type-email gfield--input-type-email gfield--width-half overlap-label email-validation gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_11\">Email Address<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_email\">\n                            <input data-api=\"email_address\" data-name=\"email_address\" name=\"input_11\" id=\"input_5_11\" type=\"email\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\">\n                        <\/div><\/div><div id=\"field_5_12\" class=\"gfield gfield--type-phone gfield--input-type-phone gfield--width-half phone-validation overlap-label gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" for=\"input_5_12\">Phone<span class=\"gfield_required\"><span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/span><\/label><div class=\"ginput_container ginput_container_phone\"><input inputmode=\"numeric\" data-api=\"phone_number\" data-name=\"phone_number\" name=\"input_12\" id=\"input_5_12\" type=\"tel\" value=\"\" class=\"large\" aria-required=\"true\" aria-invalid=\"false\"><\/div>        <script>\n            (function($) {\n                $(document).ready(function(){\n                    $('.phone-validation input').inputmask('(999) 999-9999');\n                });\n            })(jQuery);\n        <\/script><\/div><div id=\"field_5_25\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><p class=\"st-disclaimer-small\">By clicking \"Continue\" you consent to allowing JG Wentworth to contact you as described below.<\/p><\/div><div id=\"field_5_31\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><p class=\"move-consent-below-buttons\" style=\"text-align:center; font-size:12px; color:#3F4644\">By submitting this form, I am providing JG Wentworth, with express written consent to contact me regarding product offerings by SMS\/text messages or by using an auto dialer (or automated means) at the phone number(s) provided and such consent is not a condition of a purchase. I further consent to initial contact outside of permissible state and federal call times if made within approximately one hour of submission. Message and data rates may apply. You can opt-out of this service at any time by replying to our last message with &ldquo;STOP&rdquo;. For assistance, please call any number listed on this website. I also consent and agree to JG Wentworth&rsquo;s <a style=\"font-size:12px; text-decoration:underline\" href=\"\/jg-wentworth-company-r-consumer-privacy-notice\" target=\"_blank\">Privacy Policy<\/a> and <a style=\"font-size:12px; text-decoration:underline\" href=\"\/terms-use\" target=\"_blank\">Terms of Use.<\/a><\/p><\/div><\/div>\n                    <\/div>\n                    <div class=\"gform-page-footer gform_page_footer top_label\">\n                        <input type=\"button\" id=\"gform_previous_button_5_18\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"button\" id=\"gform_next_button_5_18\" class=\"gform_next_button gform-theme-button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"next\" value=\"Continue\"> \n                    <\/div>\n                <\/div>\n                <div id=\"gform_page_5_4\" class=\"gform_page\" data-js=\"page-field-id-18\" style=\"display:none;\" data-number=\"4\" data-name=\"Address\">\n                    <div class=\"gform_page_fields\">\n                        <div id=\"gform_fields_5_4\" class=\"gform_fields top_label form_sublabel_above description_above validation_below\"><div id=\"field_5_24\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full less-margin-bottom gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><h2>Confirm Your Address<\/h2>\n<\/div><div id=\"field_5_26\" class=\"gfield gfield--type-text gfield--input-type-text gfield--width-full address-validation overlap-label adr-street gfield_contains_required field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><label class=\"gfield_label gform-field-label\" 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This will not impact your credit score.<span class=\"gfield_required gfield_required_asterisk\">*<\/span><\/label><input type=\"hidden\" name=\"input_20.2\" value='By clicking \"Submit\" you consent to allow JG Wentworth to access your credit report as described below. This will not impact your credit score.' class=\"gform_hidden\"><input type=\"hidden\" name=\"input_20.3\" value=\"1\" class=\"gform_hidden\"><\/div><\/fieldset><div id=\"field_5_32\" class=\"gfield gfield--type-html gfield--input-type-html gfield--width-full gfield_html gfield_no_follows_desc field_sublabel_above gfield--no-description field_description_above field_validation_below gfield_visibility_visible\"><p class=\"move-consent-below-buttons\" style=\"text-align:center; font-size:12px; color:#3F4644\">Pursuant to the Fair Credit Reporting Act (FCRA), I hereby provide my written instructions and authorization for J.G. Wentworth to obtain a consumer report on me. I understand that J.G. Wentworth has a permissible purpose under the FCRA to request and review my consumer report in connection with a financial transaction. I acknowledge that this request for a consumer report is being made in accordance with my explicit consent and instructions as required under the FCRA.<\/p><\/div><\/div><\/div>\n        <div class=\"gform-page-footer gform_page_footer top_label\"><input type=\"submit\" id=\"gform_previous_button_5\" class=\"gform_previous_button gform-theme-button gform-theme-button--secondary button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"previous\" value=\"Back\"> <input type=\"submit\" id=\"gform_submit_button_5\" class=\"gform_button button\" onclick=\"gform.submission.handleButtonClick(this);\" data-submission-type=\"submit\" value=\"Submit\"> <input type=\"hidden\" name=\"gform_ajax\" value=\"form_id=5&amp;title=&amp;description=1&amp;tabindex=0&amp;theme=orbital&amp;hash=211d01d8d3d11279c004e158303b08aa\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_submission_method\" data-js=\"gform_submission_method_5\" value=\"iframe\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_theme\" data-js=\"gform_theme_5\" id=\"gform_theme_5\" value=\"orbital\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_style_settings\" data-js=\"gform_style_settings_5\" id=\"gform_style_settings_5\" value=\"\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"is_submit_5\" value=\"1\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_submit\" value=\"5\">\n            \n            <input type=\"hidden\" class=\"gform_hidden\" name=\"gform_unique_id\" value=\"\">\n            <input type=\"hidden\" class=\"gform_hidden\" name=\"state_5\" value=\"WyJ7XCIyMC4xXCI6XCI4ZGVlY2FkOTAyMDA0MzNhZGMyN2Q3ZjQ3OGYwOGJkNFwiLFwiMjAuMlwiOlwiMDNiZjViMTY4NjJmYmM4YmU3Y2JjY2NkNjgxNzg2OTNcIixcIjIwLjNcIjpcIjhkZWVjYWQ5MDIwMDQzM2FkYzI3ZDdmNDc4ZjA4YmQ0XCJ9IiwiYjkzNDE3NWM5YmJkMjFhYzY2NjJmNjEzNTg0ZTYzYmEiXQ==\">\n            <input type=\"hidden\" autocomplete=\"off\" class=\"gform_hidden\" name=\"gform_target_page_number_5\" id=\"gform_target_page_number_5\" value=\"2\">\n            <input type=\"hidden\" autocomplete=\"off\" class=\"gform_hidden\" name=\"gform_source_page_number_5\" id=\"gform_source_page_number_5\" value=\"1\">\n            <input type=\"hidden\" name=\"gform_field_values\" value=\"\">\n            \n        <\/div>\n             <\/div><\/div>\n                        <\/form>\n                        <\/div>\n\t\t                <iframe style=\"display:none;width:0px;height:0px;\" src=\"about:blank\" name=\"gform_ajax_frame_5\" id=\"gform_ajax_frame_5\" title=\"This iframe contains the logic required to handle Ajax powered Gravity Forms.\"><\/iframe>\n\t\t                <script>\ngform.initializeOnLoaded( function() {gformInitSpinner( 5, 'https:\/\/www.jgwentworth.com\/wp-content\/themes\/hello-elementor-child\/img\/spinner.svg', true );jQuery('#gform_ajax_frame_5').on('load',function(){var contents = jQuery(this).contents().find('*').html();var is_postback = jQuery(this).contents().find('body').hasClass('GF_AJAX_POSTBACK');if(!is_postback){return;}var form_content = jQuery(this).contents().find('#gform_wrapper_5');var is_confirmation = jQuery(this).contents().find('#gform_confirmation_wrapper_5').length > 0;var is_redirect = contents.indexOf('gformRedirect(){') >= 0;var is_form = form_content.length > 0 && ! is_redirect && ! is_confirmation;var mt = parseInt(jQuery('html').css('margin-top'), 10) + parseInt(jQuery('body').css('margin-top'), 10) + 100;if(is_form){jQuery('#gform_wrapper_5').html(form_content.html());if(form_content.hasClass('gform_validation_error')){jQuery('#gform_wrapper_5').addClass('gform_validation_error');} else {jQuery('#gform_wrapper_5').removeClass('gform_validation_error');}setTimeout( function() { \/* delay the scroll by 50 milliseconds to fix a bug in chrome *\/  }, 50 );if(window['gformInitDatepicker']) {gformInitDatepicker();}if(window['gformInitPriceFields']) {gformInitPriceFields();}var current_page = jQuery('#gform_source_page_number_5').val();gformInitSpinner( 5, 'https:\/\/www.jgwentworth.com\/wp-content\/themes\/hello-elementor-child\/img\/spinner.svg', true );jQuery(document).trigger('gform_page_loaded', [5, current_page]);window['gf_submitting_5'] = false;}else if(!is_redirect){var confirmation_content = jQuery(this).contents().find('.GF_AJAX_POSTBACK').html();if(!confirmation_content){confirmation_content = contents;}jQuery('#gform_wrapper_5').replaceWith(confirmation_content);jQuery(document).trigger('gform_confirmation_loaded', [5]);window['gf_submitting_5'] = false;wp.a11y.speak(jQuery('#gform_confirmation_message_5').text());}else{jQuery('#gform_5').append(contents);if(window['gformRedirect']) {gformRedirect();}}jQuery(document).trigger(\"gform_pre_post_render\", [{ formId: \"5\", currentPage: \"current_page\", abort: function() { this.preventDefault(); } }]);        if (event && event.defaultPrevented) {                return;        }        const gformWrapperDiv = document.getElementById( \"gform_wrapper_5\" );        if ( gformWrapperDiv ) {            const visibilitySpan = document.createElement( \"span\" );            visibilitySpan.id = \"gform_visibility_test_5\";            gformWrapperDiv.insertAdjacentElement( \"afterend\", visibilitySpan );        }        const visibilityTestDiv = document.getElementById( \"gform_visibility_test_5\" );        let postRenderFired = false;        function triggerPostRender() {            if ( postRenderFired ) {                return;            }            postRenderFired = true;            gform.core.triggerPostRenderEvents( 5, current_page );            if ( visibilityTestDiv ) {                visibilityTestDiv.parentNode.removeChild( visibilityTestDiv );            }        }        function debounce( func, wait, immediate ) {            var timeout;            return function() {                var context = this, args = arguments;                var later = function() {                    timeout = null;                    if ( !immediate ) func.apply( context, args );                };                var callNow = immediate && !timeout;                clearTimeout( timeout );                timeout = setTimeout( later, wait );                if ( callNow ) func.apply( context, args );            };        }        const debouncedTriggerPostRender = debounce( function() {            triggerPostRender();        }, 200 );        if ( visibilityTestDiv && visibilityTestDiv.offsetParent === null ) {            const observer = new MutationObserver( ( mutations ) => {                mutations.forEach( ( mutation ) => {                    if ( mutation.type === 'attributes' && visibilityTestDiv.offsetParent !== null ) {                        debouncedTriggerPostRender();                        observer.disconnect();                    }                });            });            observer.observe( document.body, {                attributes: true,                childList: false,                subtree: true,                attributeFilter: [ 'style', 'class' ],            });        } else {            triggerPostRender();        }    } );} );\n<\/script>\n\t\t\t<\/div>\n            \t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1ab37a4 elementor-widget elementor-widget-text-editor\" data-id=\"1ab37a4\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<h2>Strategies for using utility bills to improve your credit<\/h2>\nSome tried and true methods that enable you to leverage your utility bills toward your credit health:\n<h4>1. Opt into Experian Boost or similar services<\/h4>\nIf you have a history of on-time utility payments, consider enrolling in services that report these payments to credit bureaus. The process typically involves:\n<ul>\n \t<li>Creating an account.<\/li>\n \t<li>Connecting your bank account.<\/li>\n \t<li>Selecting which payment histories to include.<\/li>\n \t<li>Verifying your identity.<\/li>\n<\/ul>\n<h4>2. Consider using credit cards for utility payments<\/h4>\nPaying utilities with a credit card (and then paying the card balance in full) can help build credit, as credit card payment history is reported to bureaus. Be aware of any processing fees charged by utility companies for credit card payments.\n<h4>3. Maintain perfect payment history<\/h4>\nThe most important factor is avoiding negative marks. Set up automatic payments or reminders to ensure bills are always paid on time.\n<h4>4. Consider specialized credit builder products<\/h4>\nSome financial institutions offer credit-builder loans or secured credit cards that can incorporate utility payment history into their underwriting or reporting.\n<h3>The future of utility payments and credit scoring<\/h3>\nWhile no one has a magical crystal ball that can predict the future, these are some recent trends that may affect the relationship between utility bills and credit scores:\n<ul>\n \t<li><strong>Regulatory changes:<\/strong> The Consumer Financial Protection Bureau (CFPB) has shown interest in expanding credit access through alternative data. Future regulatory changes may further incorporate utility payment data into mainstream credit reporting.<\/li>\n \t<li><strong>Industry innovation:<\/strong> Financial technology companies continue developing new solutions to help consumers leverage utility payment histories for credit building.<\/li>\n<\/ul>\n<h2>The bottom line<\/h2>\nWhile traditionally utility bills haven&rsquo;t directly impacted credit scores, the landscape is changing rapidly. Consumers now have options to leverage their responsible utility payment history to potentially improve their credit profiles. However, the most significant impact utility bills can have on your credit remains negative&mdash;through collections and delinquencies. As credit scoring models evolve, we&rsquo;re likely to see even greater incorporation of utility payment data, creating more pathways for consumers to establish and build credit through routine bill payments.\n\nThe key takeaway remains: pay all bills&mdash;including utilities&mdash;on time and in full. Whether or not they&rsquo;re currently being reported to credit bureaus, maintaining good payment habits is the foundation of a strong financial profile.\n\n<h2>There&rsquo;s always JG Wentworth&hellip;<\/h2>\nIf you have $10,000 or more in <a href=\"https:\/\/www.jgwentworth.com\/resources\/what-is-unsecured-debt\">unsecured debt<\/a> there&rsquo;s a good chance you&rsquo;ll qualify for the JG Wentworth <a href=\"https:\/\/www.jgwentworth.com\/debt-relief\">Debt Relief Program<\/a>.* Some of our program perks include:\n<ul>\n \t<li><strong>One monthly program payment&#8239;<\/strong><\/li>\n \t<li><strong>We negotiate on your behalf&#8239;<\/strong><\/li>\n \t<li><strong>Average debt resolution in as little as 48-60 months&#8239;<\/strong><\/li>\n \t<li><strong>We only get paid when we settle your debt&#8239;&#8239;<\/strong><\/li>\n<\/ul>\n<a href=\"https:\/\/www.jgwentworth.com\/resources\/is-debt-relief-right-for-you\">If you think you qualify<\/a> for our program, give us a call today so we can go over the best options for your specific financial needs. Why go it alone when you can have a dedicated team on your side?\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a0ac598 e-flex e-con-boxed e-con e-child\" data-id=\"a0ac598\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-29fe8d25 e-con-full e-flex e-con e-child\" data-id=\"29fe8d25\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-24ae2496 elementor-widget elementor-widget-template\" data-id=\"24ae2496\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1972\" class=\"elementor elementor-1972\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-7c4ddeb3 e-con-full blog-post-author e-flex e-con e-parent\" data-id=\"7c4ddeb3\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-3e309cf8 e-flex e-con-boxed e-con e-child\" data-id=\"3e309cf8\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-37a051fb elementor-widget-divider--view-line elementor-widget elementor-widget-divider\" data-id=\"37a051fb\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-7f9eedf e-con-full e-flex e-con e-child\" data-id=\"7f9eedf\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4d120753 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"4d120753\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">About the author<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-661e21c5 e-con-full e-flex e-con e-child\" data-id=\"661e21c5\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3ae0c8f9 elementor-widget elementor-widget-image\" data-id=\"3ae0c8f9\" data-element_type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<a href=\"https:\/\/www.jgwentworth.com\/author\/jg-wentworth\">\n\t\t\t\t\t\t\t<img decoding=\"async\" loading=\"lazy\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/2024\/03\/FB-96x96.jpg\" title=\"\" alt=\"\">\t\t\t\t\t\t\t\t<\/a>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-39382164 e-con-full e-flex e-con e-child\" data-id=\"39382164\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-49e5a49e elementor-widget elementor-widget-heading\" data-id=\"49e5a49e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\"><a href=\"https:\/\/www.jgwentworth.com\/author\/jg-wentworth\">JG Wentworth<\/a><\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-70137974 elementor-widget elementor-widget-text-editor\" data-id=\"70137974\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\tJG Wentworth is a financial services company that specializes in structured settlement\/annuity purchasing and debt relief solutions, among other offerings. For over 30 years, we have established a sterling reputation, including an A+ from the Better Business Bureau, a 4.8 rating with TrustPilot, and 4 stars from Consumer Affairs among countless rave reviews from satisfied customers.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-697ab25d e-flex e-con-boxed e-con e-parent\" data-id=\"697ab25d\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-676a47a2 elementor-widget elementor-widget-template\" data-id=\"676a47a2\" data-element_type=\"widget\" data-widget_type=\"template.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-template\">\n\t\t\t<?xml encoding=\"UTF-8\"><div data-elementor-type=\"container\" data-elementor-id=\"1990\" class=\"elementor elementor-1990\" data-elementor-post-type=\"elementor_library\">\n\t\t\t\t<div class=\"elementor-element elementor-element-304a1d6c e-con-full page-content e-flex e-con e-parent\" data-id=\"304a1d6c\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-700f0e9d e-con-full e-con-jgw-boxed e-flex e-con e-child\" data-id=\"700f0e9d\" data-element_type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4ff119d8 e-con-full e-flex e-con e-child\" data-id=\"4ff119d8\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-3e9942c1 elementor-widget elementor-widget-heading\" data-id=\"3e9942c1\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<h2 class=\"elementor-heading-title elementor-size-default\">Recommended reading for you<\/h2>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-f944f15 elementor-grid-4 elementor-widget__width-inherit elementor-grid-tablet-2 elementor-grid-mobile-1 elementor-widget elementor-widget-loop-grid\" data-id=\"f944f15\" data-element_type=\"widget\" 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.elementor-element.elementor-element-63e2468f{--display:flex;--flex-direction:column;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );--container-widget-height:initial;--container-widget-flex-grow:0;--container-widget-align-self:initial;--flex-wrap-mobile:wrap;--justify-content:flex-end;--align-items:flex-end;--gap:0px 0px;--row-gap:0px;--column-gap:0px;--border-radius:0px 0px 0px 0px;--margin-top:0px;--margin-bottom:0px;--margin-left:0px;--margin-right:0px;--padding-top:0px;--padding-bottom:0px;--padding-left:0px;--padding-right:0px;}.elementor-2009 .elementor-element.elementor-element-63e2468f.e-con{--align-self:center;}.elementor-2009 .elementor-element.elementor-element-1b694e78{--display:flex;}.elementor-widget-theme-post-featured-image .widget-image-caption{color:var( --e-global-color-text );font-weight:var( --e-global-typography-text-font-weight );}.elementor-2009 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.elementor-element.elementor-element-5cb7e76e{width:var( --container-widget-width, 100% );max-width:100%;--container-widget-width:100%;--container-widget-flex-grow:0;text-align:left;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e > .elementor-widget-container{margin:0px 0px 0px 0px;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e.elementor-element{--flex-grow:0;--flex-shrink:0;}.elementor-2009 .elementor-element.elementor-element-5cb7e76e .elementor-heading-title{font-family:\"Poppins\", Sans-serif;font-size:18px;font-weight:700;text-decoration:none;line-height:28px;color:rgba(63,70,68,1);}.elementor-widget-theme-post-excerpt .elementor-widget-container{font-weight:var( --e-global-typography-text-font-weight );color:var( --e-global-color-text );}.elementor-2009 .elementor-element.elementor-element-5ebb83e .elementor-widget-container{font-family:\"Poppins\", Sans-serif;font-size:16px;font-weight:400;line-height:24px;}@media(min-width:768px){.elementor-2009 .elementor-element.elementor-element-63e2468f{--width:100%;}}@media(max-width:1024px){.elementor-2009 .elementor-element.elementor-element-b92bc70 img{height:200px;}}@media(max-width:767px){.elementor-2009 .elementor-element.elementor-element-b92bc70 img{height:168px;}.elementor-2009 .elementor-element.elementor-element-9989779{--justify-content:flex-start;}.elementor-2009 .elementor-element.elementor-element-e3b1d68{--align-items:flex-start;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );}.elementor-2009 .elementor-element.elementor-element-5f334874{--align-items:center;--container-widget-width:calc( ( 1 - var( --container-widget-flex-grow ) ) * 100% );}.elementor-2009 .elementor-element.elementor-element-5cb7e76e .elementor-heading-title{font-size:16px;line-height:24px;}}\n\n\/* Start custom CSS for heading, class: .elementor-element-71fded65 *\/.blog-post-card .elementor-heading-title {\n    vertical-align: middle;\n}\/* End custom CSS *\/\n\n\n\n\n\n\n\n\n\n\/* Start custom CSS for container, class: .elementor-element-9989779 *\/.post-text {\n    height: 165px;\n    overflow: hidden;\n    flex-wrap: initial;\n    --mask: linear-gradient(to bottom, \n      rgba(0,0,0, 1) 0,   rgba(0,0,0, 1) 70%, \n      rgba(0,0,0, 0) 99%, rgba(0,0,0, 0) 0\n  ) 100% 50% \/ 100% 100% repeat-x;\n  -webkit-mask: var(--mask); \n  mask: var(--mask);\n}\/* End custom CSS *\/\n\n\/* Start custom CSS for container, class: .elementor-element-63e2468f *\/a.blog-post-card {\n    text-decoration: none;\n}\/* End custom CSS *\/\n<\/style><?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-23367 post-23367 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/11-word-phrase-to-stop-debt-collectors\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Stopping-debt-collectors-qrona18xvzt9cbgywnyrfz1ohs5jrupapzm90hgknc.jpg\" title=\"Stopping debt collectors\" alt=\"Stopping debt collectors\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Feb 4, 2026<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">11 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">What is the 11-Word Phrase to Stop Debt Collectors?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tSounds like magic, right? Thankfully, there&rsquo;s no spell required. In this blog, we'll explore this phrase, its origins, how to use it, and what it means for your rights as a consumer....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-9119 post-9119 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/how-to-get-a-debt-lawsuit-dismissed\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Judge-Dismissing-Debt-Lawsuit-qq6r0zkzb9qfif3wa14eo4xlx97ndatwpb4jnrc5ai.jpg\" title=\"Court of Law Trial in Session: Honorable Female Judge Pronouncing Sentence, striking Gavel. Focus on Mallet, Hammer. Cinematic Shot of Dramatic Not Guilty Verdict. Close-up Shot.\" alt=\"Judge Dismissing Debt Lawsuit\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Aug 14, 2025<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">10 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">How to Get a Debt Lawsuit Dismissed<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tThere are several legitimate legal strategies that can lead to debt lawsuit dismissal. Let's take a look at the top 3....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-13832 post-13832 post type-post status-publish format-standard has-post-thumbnail hentry category-annuity-purchasing tag-featured\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/when-should-i-start-taking-money-out-of-my-annuity\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/Icon-of-man-about-to-break-piggy-bank.jpg-qpju7z5llu8mb1v4m2a7s2cg62adwlmqyjn1clgng8.webp\" title=\"Icon of man about to break piggy bank\" alt=\"man breaking piggy bank\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Annuity Purchasing<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Apr 3, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">When Should I Start Taking Money Out of My Annuity?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tDiscover expert advice on when to start taking money out of your annuity with JG Wentworth. Learn about the best strategies for maximizing your retirement income and making informed financial decisions. Visit our page for...\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n<?xml encoding=\"UTF-8\"><div data-elementor-type=\"loop-item\" data-elementor-id=\"2009\" class=\"elementor elementor-2009 e-loop-item e-loop-item-12417 post-12417 post type-post status-publish format-standard has-post-thumbnail hentry category-debt-resolution tag-featured tag-form\" data-elementor-post-type=\"elementor_library\" data-custom-edit-handle=\"1\">\n\t\t\t<a class=\"elementor-element elementor-element-63e2468f e-con-full blog-post-card e-flex e-con e-child\" data-id=\"63e2468f\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}' href=\"https:\/\/www.jgwentworth.com\/resources\/can-i-still-use-my-credit-card-after-debt-consolidation\">\n\t\t<div class=\"elementor-element elementor-element-1b694e78 e-con-full e-flex e-con e-child\" data-id=\"1b694e78\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b92bc70 elementor-widget__width-inherit elementor-widget elementor-widget-theme-post-featured-image elementor-widget-image\" data-id=\"b92bc70\" data-element_type=\"widget\" data-widget_type=\"theme-post-featured-image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img decoding=\"async\" src=\"https:\/\/www.jgwentworth.com\/wp-content\/uploads\/elementor\/thumbs\/man-with-phone-and-credit-card-qq6r34nqvonxyfzxryftclhemunqwhbwbwmd0g5vfo.jpg\" title=\"man with phone and credit card\" alt=\"man with phone and credit card\" loading=\"lazy\">\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-9989779 e-con-full post-text e-flex e-con e-child\" data-id=\"9989779\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t<div class=\"elementor-element elementor-element-e3b1d68 e-con-full e-flex e-con e-child\" data-id=\"e3b1d68\" data-element_type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-71fded65 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"71fded65\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<span class=\"elementor-heading-title elementor-size-default\"><span>Debt Resolution<\/span><\/span>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5f334874 e-con-full e-flex e-con e-child\" data-id=\"5f334874\" data-element_type=\"container\" data-settings='{\"background_background\":\"classic\"}'>\n\t\t\t\t<div class=\"elementor-element elementor-element-51481055 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"51481055\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Mar 20, 2024<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-2077109a elementor-widget elementor-widget-heading\" data-id=\"2077109a\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">&bull;<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-18d01b46 elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"18d01b46\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">5 min<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-21a0dd5 elementor-widget__width-initial elementor-widget elementor-widget-shortcode\" data-id=\"21a0dd5\" data-element_type=\"widget\" data-widget_type=\"shortcode.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-shortcode\"><\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5cb7e76e elementor-widget__width-initial elementor-widget elementor-widget-heading\" data-id=\"5cb7e76e\" data-element_type=\"widget\" data-widget_type=\"heading.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<p class=\"elementor-heading-title elementor-size-default\">Can I Still Use My Credit Card after Debt Consolidation?<\/p>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ebb83e elementor-widget elementor-widget-theme-post-excerpt\" data-id=\"5ebb83e\" data-element_type=\"widget\" data-widget_type=\"theme-post-excerpt.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\tCan you use your credit card after debt consolidation? Learn about the implications, benefits, and strategies for responsible credit card use post-consolidation to maintain financial health....\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/a>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-5b6e81dd e-flex e-con-boxed e-con e-parent\" data-id=\"5b6e81dd\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n","protected":false},"excerpt":{"rendered":"<p>Take a closer look at the connection between utility bills and credit scores.<\/p>\n","protected":false},"author":23,"featured_media":32813,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[23],"tags":[],"class_list":["post-32812","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-debt-resolution"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v21.7 (Yoast SEO v25.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Do Utility Bills Affect Your Credit Score? 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