With StellarFi, your bills are paid on time and reported to TransUnion®, Experian®, and Equifax® .
View your current credit score and access your detailed credit report, just by creating your account.
Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to all major credit bureaus each month.
See your credit score increase while we build your payment history, optimize your credit utilization, and more.
See where you stand with access to your full free credit report 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 report and credit score.
StellarFi provides you automatic credit building through the bills you already pay, every day. On average, members increase their score 26 points in 30 days.*
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.