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 - StellarFi 5 Day Credit Challenge

Angela Yee

Financial advocate and co-host of The Breakfast Club

Lamine Zarrad - StellarFi 5 Day Credit Challenge

Lamine Zarrad

Founder and CEO of StellarFi

Stacey Tisdale- StellarFi 5 Day Credit Challenge

Stacey Tisdale

Wealth Wednesdays co-host and Mind MoneyMedia 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 Bank Account

Create your profile in under a minute


Link Bills. All Your Bills.

Consolidate your bills with Stellar and we’ll pay them on time.


Pay Bills & Build Credit

Stellar will report your repayment history and account balance each month, building your credit over time.


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 checking 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 checking account balance is sufficient to cover the amount of the linked bill. If your account balance is sufficient, StellarFi pays your bill, and you’ll then automatically authorize repayment. We’ll debit your linked bank account for the amount of the bill.

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.

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®, and TransUnion®. 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.