Another app called Deferit allows you to pay your utilities, phone bill, etc in 4 easy payments just like Klarna or afterpay. This one also counts as a line a of credit, and does report. Great if you’re building your credit up! If you don’t need the extra breakdown and still want the credit history for paying these miscellaneous bills, go to Experian Boost site and attach your bank account(s). They will report for you hassle free. Or just pay these items with your credit card if your line of credit can sustain them. Make sure to pay off the card monthly in order to reap the benefits.