Build Your Credit Score Today
Most of your bills don't help build your credit score. With StellarFi they do.
How StellarFi 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.
Add and pay your bills
Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to all major credit bureaus each month.
Build your score
See your credit score increase while we build your payment history, optimize your credit utilization, and more.
Get your free credit score
Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.
Add and pay your bills
Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to the major credit bureaus each month.
Build your score
See your credit score increase while we build your payment history, optimize your credit utilization, and more.
Your credit score, elevated by StellarFi
On average, StellarFi members increase their score by 80 pts.1 StellarFi can grow your credit score after our first reported batch of payments.
Try StellarFi Prime for just $0.99 and start building your score.2
0
6-month score projection
Your credit score today
How much do you pay in bills monthly?
Enhance your credit profile with smart bill management
Not every bill payment supports your credit score growth. But with StellarFi, they do.
Know your credit score
The first step is to know where you stand today. Get your credit score and report for free through StellarFi.
Get your bills in one place
Add your bill to your StellarFi dashboard. Think of it as a one-stop shop to know when your bills are due, and what their amounts are.
Build your credit score
We'll pay your bills automatically on their due date and pull the bill amount from your connected bank account. Your payments will be reported as credit to the major bureaus monthly.
A membership for every credit journey
Lite
Automatically build credit fast with less than $500 in monthly bills.
$4.99/mo
Bundle value of $14.99/month.
Prime
Automatically build credit even faster with up to $25k in monthly bills.
$9.99/mo
Bundle value of $34.99/month.
Easy approval.
Premium
Automatically build credit with all bills plus get bill pay flexibility.
$29.99/mo
Bundle value of $34.99/month.
Lite
Automatically build credit fast with less than $500 in monthly bills.
$45.99/yr
Bundle value of $14.99/month.
Prime
Automatically build credit even faster with up to $25k in monthly bills.
$89.99/yr
Bundle value of $34.99/month.
Easy approval.
Premium
Automatically build credit with all bills plus get bill pay flexibility.
$269.99/yr
Bundle value of $34.99/month.
Testimonials that speak louder than words
Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit-building with every bill.
Start today for less than $1
1 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.
2 $0.99 trial for first 30 days.
3 StellarFi’s Score Projection Calculator is an educational tool to help people better understand how different activities affect their credit score. Projections use the VantageScore 3.0 credit score model, based on your Experian credit report. Projections have no impact on your credit score and are not precise predictions. Estimated outcomes are not guaranteed to occur. For more information, please read our FAQ.