Hello.I believe that our local jurisdiction does this for water utilities but in my area for building permits, I don't think it would work. As we deal with homeowners, but we also deal with a lot of contractors that are set up to pay their accounts by credit cards, credit reporting would not work in this instance because the amounts of their bills change each week. And the individual homeowners, is usually a one-time payment for a permit. But, I am not sure that when someone bounces a check, their checks are referred to a collection agency. If unpaid, this may go to the credit reporting agency, eventually.