nostr:npub1aetwmjkuxu2pjt0sptme8rygnx9vu5k6eg7wjae7q4jud2360ahqdeuf5f A lot of those services don't report at all unless you miss payments, so they can only harm you and cost you money instead of establishing credit. It's entirely up to the lender whether to do it and it's a cost to them (dispute handling, tech, etc) that really doesn't make sense when someone finances a pizza.