Bill Pay that can help build credit history1
Make the most of your bills by getting eligible everyday payments reported to TransUnion®, Experian®, and Equifax®.
Works for almost any bill - over 20,000 billers paid by Deferit2
How it works
Upload your bill to Deferit
Add a bill and choose how much you want to pay. We take care of the rest.
Pay in full or in 43
Pay in full or in installments, and we pay your bill.
Build credit history1
Eligible payments are reported to help build your credit history.
Why your credit score matters
The difference when financing a $30,000 car over 72 months.
Credit score
600
Interest rate
13.52%
Total payments made
$43,955
Credit score
710
Interest rate
6.15%
Total payments made
$35,951
Ashley pays $8,000+ less in interest.
Comparison data is based on calculations using average new car loan rates by credit score from Experian's State of the Automotive Finance Market, Q2 2026 (VantageScore® 4.0). Please note that financing rates and prices are subject to change regularly, and the comparison provided is for illustrative purposes only. Deferit does not guarantee any credit score improvement or loan terms.1
Get startedBuild credit history that matters1
We target the most important factors that make up your score: credit age, low credit utilization, and on-time payments.
Eligible payments are reported to the 3 major bureaus TransUnion®, Experian®, and Equifax® so you’re covered whichever score a lender uses.
