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.
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 four major credit bureaus. Although StellarFi is not a credit card, it shows up on your Experian®, TransUnion®, and Equifax® 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.
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.
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.
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.
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
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.
StellarFi has helped me raised my credit score by 25 points in less than 2 months. I would recommend it .
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.
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!
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®, and TransUnion® to build payment history. We also report a high credit limit that can grow up to $25,000 for Prime members.
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 report the bill payments made through StellarFi directly to the credit bureaus similar to a line of credit.
Because they are on-time, successful payments, and recurring payments naturally build up positive payment history, they have the ability to increase your score.
Ok, but how does it actually work?
By continuously linking recurring bills and setting them up to be paid automatically, we report this positive payment history directly to the credit bureaus. That is because StellarFi reports all bills as credit. We are not a lender. But since we’re making the payments on your behalf, we’re able to reliably report positive payment history to all major credit bureaus (Transunion®, Experian®, and Equifax®) and help build credit.
When your credit score goes up, you’ve also managed to unlock more 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!
We offer three different membership plans:
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.
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.
Yes! By paying bills with your StellarFi Virtual Bill Pay Card, your bills are paid on time and payments are reported to TransUnion®, Experian®, and Equifax®.
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 you’ll then automatically authorize repayment, 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.
Read our full FAQ to find what you're looking for.
Enter our “5 Ways to $5k” giveaway through your StellarFi dashboard and get a chance to win $5k in bills paid.
Read full terms here.