Experian came up with a “gimmick†to increase credit scores by letting the responder add utility bills, cell phone payments, etc to their credit report. This builds up history and usage. Like the others have stated, the bank would be treating applicants differently. Most people have cell phones, so unless you ask EVERYONE, the bank could have an issue. Those “gimmicks†generally attract the more vulnerable so many would be prohibited basis applicants.
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Integrity. With it, nothing else matters. Without it, nothing else matters.