Building credit doesn’t have to be overwhelming! Take on the 5-Day Credit Challenge to gain control of your finances and build the credit score you deserve.

The Creators

The challenge is led by three top experts in the world of credit-building:


Angela Yee

Financial advocate and host of Way Up with Angela Yee


Lamine Zarrad

Founder and CEO of StellarFi


Stacey Tisdale

Wealth Wednesdays co-host and Mind Money Media CEO

Learn how to..

Day 1

Understand credit bias

Members of the LGBTQ, Black, Latinx, Indigenous and AAPI communities collectively lose hundreds of billions of dollars a year due to discrimination through higher interest rates and fees, along with being denied for mortgages and other loans at much higher rates than others. Learn how credit bias might be influencing your finances, and why that’s important to your credit journey.

Day 2

Take a goal-oriented approach to credit

The strongest credit-building strategies are informed and goal-oriented. Your credit goals will help you decide how to proceed in building your credit, because different types of lenders will look at different areas of your credit report. Learn which aspects of your credit you should focus on to help you meet your goals.

Day 3

Turn your bills into credit-builders

Traditional credit-builders come with some serious downsides, like hefty deposits and sky-high interest rates. StellarFi was built to make credit-building easy and accessible, using something everyone already has…bills! This video walks you through how to set up your StellarFi membership and start building your credit score.

Day 4

Understand your credit score

Did you know there are 16 versions of the FICO score? In this video, we’ll cover which score is most commonly used by lenders. StellarFi impacts all FICO scores, and you’ll be able to monitor your rising score in the StellarFi dashboard.

Day 5

Connect with credit resources

Financial wellness is no easy task, that’s why StellarFi has partnered with the National Foundation For Credit Counseling (NFCC), to give our users FREE 1:1 credit coaching! This video will show you how to sign up for your NFCC session so that good credit becomes a reality and not just something you hope will happen one day.

How it works

Link checking account

Sign up and link a checking 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 each month.


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® 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?

  1. Connect a bank account that you normally use to pay your bills.
  2. Choose the bills that you want to pay through StellarFi and link them in the dashboard.
  3. When the due date arrives for a bill, or when you want to manually pay a bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill.
  4. If your account balance is sufficient, StellarFi pays your bill.
  5. At the same time, you’ll automatically authorize a debit from your connected bank account for the amount of the bill.
  6. At least once a month, StellarFi batch reports your StellarFi Limit (which is based on the dollar amount of bills you’ve paid through StellarFi) to all major credit bureaus.

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:

Lite $4.99/mo

Prime $0.99 30-day trial, then $9.99/mo

Premium $29.99/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.

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.

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

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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Start building credit with StellarFi