Build credit with every bill payment

Make the most of your bills by getting everyday payments reported to TransUnion®, Experian®, and Equifax®.

Credit Score Shield Check

Trusted by over 500,000 happy customers!

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The example credit score and improvement shown in this diagram are for illustrative purposes only and do not guarantee specific results for individual users. Actual credit score improvement may vary based on various factors, including individual financial behavior and credit history.

How it works

Upload your bill to Deferit

Upload your bill to Deferit

Add a bill and choose how much you want to pay. We take care of the rest.

Pay now or pay later

Pay now or pay later

Pay upfront or in installments while we pay your bill right away.

Your payments build credit

Your payments build credit

Your payments are reported every month to build your credit.

Your score has a big impact

The difference when financing a $30,000 car over 72 months.

Credit Builder
impact-hero

Credit score

600

Interest rate

11.33%

Total payments made

$41,480

impact-hero

Credit score

710

Interest rate

4.55%

Total payments made

$34,338

Build credit that matters

We target the most important factors that make up your score: credit age, low credit utilization, and on-time payments.

Payments are reported to the 3 major bureaus TransUnion®, Experian®, and Equifax®. Get the best coverage regardless of which score a lender will use.

Build credit that matters