How It Works

How does StellarFi build your credit?

Paying bills like utilities, rent and streaming services on time don't increase your credit score. But with StellarFi, they do. Read on to learn how.

How it works

Get your free credit report

View your current credit score and access your detailed credit report, just by creating your account.

Add and pay your bills

Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to four credit bureaus each month.

Build your score

See your credit score increase while we build your payment history, optimize your credit utilization, and more.

Start with your free credit report

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.

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, as long as your connected bank account balance is sufficient to cover the amount due (we’ll debit your linked bank 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 all four major credit bureaus

We report to four major credit bureaus. Although StellarFi is not a credit card, it shows up on your Experian®, TransUnion®, Equifax®, and Innovis® credit reports 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 limit increases—and so can your credit score.

How StellarFi builds your credit score

StellarFi helps you build all scores: FICO® and VantageScore®. We primarily target the two most critical credit-building factors: payment history and credit utilization.

We improve your payment history by reporting on-time monthly payments to Experian®, TransUnion®, Equifax®, and Innovis®.

We optimize your credit usage by reporting a higher limit, which can reduce your credit utilization (and increase your credit score).

You may also see a credit score jump when the StellarFi account is added to your report, and your credit mix improves.

StellarFi member testimonials

StellarFi has helped me increase my credit score by 20 points and it’s steadily increasing! I would recommend the StellarFi platform to a friend and family member!

- Yvette, StellarFi Member

I’m thankful to be a part of StellarFi. I filed bankruptcy a year ago and I’m finally starting to see results while rebuilding my credit. I’m extremely satisfied with my score increase and the bills I added have been paid on time. I have spoken with the customer service team and the service was great! I actually have already been mentioning StellarFi to friends and family.

- Tenesha, StellarFi Member

“Being 100% transparent, this would work better for you than a regular credit card…Why not get extra credit points for other bills we pay monthly that don’t normally get reported? My credit score jumped 16 points just by opening the account alone.”

- Nyeim

“I came onboard with a 600 credit score. Since I've been here, my score has grown to over 700 pts now. That was my goal. But now that I can keep improving, I want to reach 800 🎉”

- Omar

"I love this amazing program! What an awesome 👏🏾 reward knowing you can receive a +100 boost on your credit score just by paying simple bills like Netflix.”

- Carla

“StellarFi has helped me raised my credit score by 25 points in less than 2 months. I would recommend it 💯.”

- Julian

“It has been amazing and so easy to use. Thanks to the increase in my credit score due to StellarFi, I am now able to purchase a car without having such a crazy interest rate and I was able to get pre-qualified for a house.”

- Veronica


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 bank 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 bank account balance is sufficient to cover the amount of the linked bill. If your account balance is sufficient, StellarFi pays your bill. At the same time, we’ll debit your linked bank account for the amount of the bill. Basically, we pay the bill once we know that you have that amount on hand in your bank account and then we get that money back from you.

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.

Can I pay my bills with StellarFi?

Yes! By paying bills with your StellarFi Virtual Bill Pay Card, your bills are paid on time and payments are reported to TransUnion®, Experian®, Equifax®, and Innovis®.

How will this help impact my credit score?

We aren’t a lender or a credit card.  We pay your bills and withdraw money from your account to cover those bills.  Other companies act as a third party by simply reporting a generalized summary of your payment history.  Because StellarFi is paying the bill on your behalf and collects the funds from your account, we are able to directly impact your credit score as an account on your credit report.  As a result, we report your positive history and build your credit in a reliable way.

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®, TransUnion®, and Innovis®. 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.