Most of your bills don't help build your credit score.
With StellarFi they do.
Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.
Make automatic bill payments using StellarFi’s Virtual Bill Pay Card. Next, we report on-time payments to the major credit bureaus each month.
Credit scores increase while we build payment history, optimize credit utilization, and more.
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.
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.
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.
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.
*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.