Only the credit usage and the transactions that are reported to the credit bureaus affect the credit score of person. Mobile phone payments and other utility payments are usually not reported to the credit bureaus. Which is why paying these bills is not into have an impact on your credit score. The only situation in which paying bills can have an impact on your credit score is when you are late on an account and the utility service provider decides to transfer the unpaid amounts to a collection agency. If the collection agency reports to the credit bureau than a new collection account will be opened in your credit file and this will impact your credit score negatively.