Find the best financial services for you at: SMARTFINANCESOLUTIONS.NET - Utility bill and applying for a mortgage? - My wife and I applied for pre approval on a house. She has a bankruptcy from 5 years ago but a credit score of around 670. My score is far worst at 570 or so but together we have very little debt. In my usual idiotic ways, i forgot to pay the utility bill for jan and feb. Will this affect our ability to get a loan or are the utilities not that big of a deal? We were told by the bank because of my wife's bankruptcy our pre approval had to be submitted to an underwriter before they can issue it. We decided to apply for the loan just in her name and the utility is also in her name.