Build Credit with Every Bill You Pay.

With StellarFi, your bills are paid on time and reported to TransUnion®, Experian®, Equifax® and Innovis®.

Score Simulator
Linked Bills
Credit Score Projection
Payments Calendar
Score projection
Build Credit Fast

StellarFi improves factors that make up 80% of your score.

No credit check. No interest. No deposits.

Credit age

Build credit age by keeping your credit account open while you're a StellarFi member.

Credit use

Lower your credit utilization as we optimize your StellarFi credit account to reflect an ideal credit-to-debt ratio.

On-time payments

Use the StellarFi app to pay bills on time, building a positive payment history with Experian®, TransUnion®, Equifax®, and Innovis®.

Why should you care?

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®, Equifax®, and Innovis®. Now, the bills you already pay can build your credit.

Focus on your goals

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.

Always safe and secure

256 AES security

We use the most advanced security protocols and bank-grade encryption to secure all of your data.

Digital tokens

We do not store any of your financial information. Instead, we keep random digital tokens to represent your account at your financial institution.

Virtual accounts

We use StellarFi virtual cards to pay your bills, protect your privacy, and safeguard your real data.

How it works


Link bank account

Sign up and link a bank account that you normally use to pay your bills.


Add your monthly bills

Add recurring bills you'd like to use to build your credit, like your rent, utilities or streaming services.


Pay bills & build credit

StellarFi will report a positive payment history and optimize your credit utilization ratio throughout each month.

Build credit that matters
to lenders.

We report payments to Experian®, Equifax®, TransUnion®, and Innovis®. No more worrying about which score a lender will use, because StellarFi counts toward all of them.

Choose a reliable partner with skin in the game.

Unlike other credit-building tools, StellarFi reports monthly payments to Experian®, Equifax®, TransUnion®, and Innovis. 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.

No interest, no deposits,
no limits.

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.


What is StellarFi?

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®, TransUnion®, and Innovis® to build payment history. We also report a high credit limit that can grow up to $25,000 for Prime members.

How does it work?

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 take the bills that normally do not have an impact on your credit score, like utilities or streaming service subscriptions, and report them to the credit bureaus. Because you were going to pay them anyway and because recurring payments naturally build up positive payment history, they have the ability to increase your score.

Ok, but how does it actually work?

Link a bank account that you normally use to pay your bills by swapping your current payment information with your StellarFi Virtual Card number. When the due date arrives for each bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill. If your account balance is sufficient, StellarFi pays your bill. At the same time, we’ll debit your linked bank account for the amount of the bill. Basically, we pay the bill once we know that you have that amount on hand in your bank account and then we get that money back from you.

Here’s what sets us apart:

By continuously linking recurring bills and setting them up to be paid automatically, we report this positive payment history directly to the top 4 credit bureaus (TransUnion®, Experian®, Equifax®, and Innovis®) to help build credit.

When your credit score goes up, you can unlock 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!

How much does StellarFi cost?

We offer three different membership plans:

Lite $4.99/mo

Prime $9.99/mo

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.

What do I need to enroll?

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!

Are you a lender?

No, we don’t provide personal loans or credit cards at this time. It’s in our roadmap, and as a member, you'll be the first to hear about it when it's officially ready.

Can I pay my bills with StellarFi?

Yes! By paying bills with your StellarFi Virtual Bill Pay Card, your bills are paid on time and payments are reported to TransUnion®, Experian®, Equifax®, and Innovis®.

How will this help impact my credit score?

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 collects the funds from your account, 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.

Still have questions?

Read our full FAQ to find what you're looking for.

Start building credit with StellarFi

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On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. StellarFinance, Inc. will report your on-time payments to Experian®, Equifax®, TransUnion®, and Innovis®. Impact on your credit may vary, as credit scores are independently determined by credit bureaus based on a number of factors including the financial decisions you make with other financial services organizations.