No credit check. No interest. No deposits.
Build credit age by keeping your credit account open while you’re a StellarFi member.
Lower your credit utilization as we optimize your StellarFi credit account to reflect an ideal credit-to-debt ratio
Use the StellarFi app to pay bills on time, building a positive payment history with Experian®, TransUnion®, and Equifax®.
StellarFi works with you on something you already do – pay your bills. But most of your bill payments go unreported because they are not made on loans or credit cards. StellarFi’s unique solution reports payments like your phone bill, rent, yoga class, or favorite streaming service to Experian®, TransUnion®, and Equifax®. Now, the bills you already pay can build your credit.
Whether you are starting with no credit history, planning for a major purchase, or simply trying to bounce back–let StellarFi help you manage your goals in one place.
We report payments to Experian®, Equifax®, and TransUnion®. No more worrying about which score a lender will use, because StellarFi counts toward all of them.
Unlike other credit-building tools, StellarFi reports monthly payments to Experian®, Equifax®, and TransUnion®. Then, we optimize your StellarFi credit account to minimize your credit utilization ratio. This approach is the most effective and reliable way to build credit.
StellarFi is NOT a secured card. There's no deposit required to build credit, and no hidden fees. Plus, StellarFi memberships allow you to link any type of bill.
StellarFi is a Public Benefit Corporation that solves one of the biggest economic problems faced by American consumers: access to credit. We make it easy for people to manage bills and build credit. StellarFi reports payments to Experian®, Equifax®, and TransUnion® to build payment history. We also report a high credit limit that can grow up to $25,000 for Prime members.
We’ve figured out how to solve the credit score algorithm with a system designed to positively influence your credit score, exemplified. The result has a dramatic effect on your overall financial health.
How do we do this?
We report the bill payments made through StellarFi directly to the credit bureaus similar to a line of credit.
Because they are on-time, successful payments, and recurring payments naturally build up positive payment history, they have the ability to increase your score.
Ok, but how does it actually work?
By continuously linking recurring bills and setting them up to be paid automatically, we report this positive payment history directly to the credit bureaus. That is because StellarFi reports all bills as credit. We are not a lender. But since we’re making the payments on your behalf, we’re able to reliably report positive payment history to all major credit bureaus (Transunion®, Experian®, and Equifax®) and help build credit.
When your credit score goes up, you’ve also managed to unlock more possibilities that didn’t exist before. Want to buy a house? A car? Take out a loan? You’ve set yourself up for success with StellarFi and from there, it’s up to you. The sky’s the limit!
We offer three different membership plans:
Premium $19.99/mo (coming soon)
The membership fee is charged the same day you enroll and there are NO hidden fees. The fee will then be charged on the same day each month thereafter. For example, if you enroll on January 1st, your membership fee is charged on January 1st and your next fee is due on February 1st, etc.
You’re at least 18 years old and a US resident with a valid Social Security number.
Our verification process may require some applicants to submit documentation such as a state-issued ID/Drivers License, Social Security card and/or a utility bill to confirm your identity. If that is required, we’ll let you know.
Yes! By paying bills with your StellarFi Virtual Bill Pay Card, your bills are paid on time and payments are reported to TransUnion®, Experian®, and Equifax®.
We aren’t a lender or a credit card. We pay your bills and withdraw money from your account to cover those bills. Other companies act as a third party by simply reporting a generalized summary of your payment history. Because StellarFi is paying the bill on your behalf and you’ll then automatically authorize repayment, we are able to directly impact your credit score as an account on your credit report. As a result, we report your positive history and build your credit in a reliable way.
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