Financial advocate and host of Way Up with Angela Yee
Founder and CEO of StellarFi
Wealth Wednesdays co-host and Mind Money Media CEO
Sign up and link a checking account that you normally use to pay your bills.
Add recurring bills you'd like to use to build your credit, like your rent, utilities or streaming services.
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®, 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:
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.
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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Enter our “5 Ways to $5k” giveaway through your StellarFi dashboard and get a chance to win $5k in bills paid.
Read full terms here.