My wife bought Cable using her credit card but put it in my name and used my social security card. The bill gets paid all the time with her card.If the bill is late will it effect my credit score or hers?
Utilities, such as cable, phone, etc., do not get reported unless they get turned over to a collection So, if it does, it will affect yours if it is in your name.
You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.com
Yours, since the account is in YOUR name. How the bill gets paid each month is meaningless.