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Build Credit With Every Bill You Pay

Most of your bills don't help build your credit score.
With StellarFi they do.

How it works

Get your free credit score

Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.

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Add and pay bills

Make automatic bill payments using StellarFi’s Virtual Bill Pay Card. Next, we report on-time payments to the major credit bureaus each month.

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Build credit score

Credit scores increase while we build payment history, optimize credit utilization, and more.

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Affiliate - Atlas Earth

Start with your free credit score

See where you stand with access to your free credit and current credit score.

If you find that your score could use a lift, don’t sweat it! The perfect StellarFi credit-building plan is just a click away.

Create an account to access your free credit score.

Grow your score within 30 days

StellarFi provides you automatic credit building through the bills you already pay, every day. Customers who make on-time payments can see an average credit score increase of 80 points.*

Try StellarFi Prime for just $0.99 and start building your score.

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Affiliate - Atlas Earth

We pay your bills on time

Link your monthly bills by adding your StellarFi Bill Pay Card as the primary payment option with your billers.

We will automatically pay the bill on its due date, and you’ll then automatically authorize repayment. We will debit your linked checking account for the amount of the bill.

StellarFi then reports all your positive monthly payments to the credit bureaus, improving your credit history. The more bills you pay, the more we report.

We report to the major credit bureaus

Although StellarFi is not a credit card, it shows up on your credit report similarly to a line of credit.

For Lite members, a $500 Stellarfi limit is reported to the bureaus. For StellarFi Prime members, that number can grow up to $25,000.

This limit depends on the total dollar amount you pay each month toward bills using your StellarFi Bill Pay Card.

As you link more bills (and larger bills), your reported credit limit increases—and so can your credit score.

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Affiliate - Atlas Earth

Start building credit with StellarFi

*Potential increase based on StellarFi member data. StellarFi numbers observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime. Score increase based on members with an incoming score range of 300-499 pts, who made regular on-time payments, with regular on-time payments. Results may vary.

Credit score increase based on StellarFi members’ data. Credit score increase not guaranteed. Credit scores will only be available to members whom we are able to validate. On-time payment history can have a positive impact on your credit score. Nonpayment may negatively impact your credit score. Failure to make monthly minimum payments by the due date each month may result in delinquent reporting to credit bureaus, which may negatively impact your credit score.