New Delhi, March 13 -- In India, having a good credit score while borrowing loans and credit cards at reasonable interest rates is essential. That is why it is important to maintain a clean repayment history.

That is why many also raise this question: Do credit scores get impacted because of delayed utility payments? This write-up is dedicated to answer this simple question only. Credit card holders, borrowers or loan applicants should all be clearly aware of the reality.

Typically, paying utility bills like electricity bills, water bills, or gas bills late won't hurt your credit score at all until and unless they are sent to a collection agency or reported to the credit reporting agencies. Even then, it continues to make sense to keep ...