Verizon cell phone bill increases credit?

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    I just got off of my mothers cell phone plan, and opened up a family plan with my fiancee…

    does paying this monthly bill increase my credit score?

    Also, how hard is it to have a credit score of 580? I’m trying to apply for an fha loan in a few months.

    According to creditkarma.com my credit score is 671, but I’m not sure how reliable that is since its a FAKO score

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