Build Credit With Every Bill You Pay

Welcome to our debt forgiveness program. StellarFi, a public benefit corporation, has bought and forgiven your debt entirely. You are no longer burdened by this debt – now or ever.
Get $10 off your next bill and raise your credit score when you pay with StellarFi.
Forgiveness | FAQ


Debt Forgiveness Program

StellarFi is a registered public benefit organization. That means we’re a for-profit business with a mission for public good. 

As part of our program, your debt has been bought and forgiven by our company. This means that it has been forgiven entirely. 

We know that a good credit score if foundational to getting you back on your feet. To help you on your financial journey, we would like to offer you to join our credit building platform. As an added bonus, you’ll get $10 in promo credits off your first bill paid through StellarFi.

When we purchased your debt from your debt servicer we also got your contact information.

No, you do not owe StellarFi anything for forgiving your debt.

No, we already forgave your debt. 

If you want to continue on a path to improving your financial future, the next step is to join StellarFi’s credit building platform. With StellarFi, you’ll improve your credit score by paying the recurring bills you’re already responsible for.

You’re part of our larger mission to forgive $100 million in debt – and hopefully you join us as a StellarFi member.

We sent you an email stating your debt was paid and forgiven by StellarFi. Save this as proof and for future use.

About 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®, 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?

  1. Connect a bank account that you normally use to pay your bills.
  2. Choose the bills that you want to pay through StellarFi and link them in the dashboard.
  3. When the due date arrives for a bill, or when you want to manually pay a bill, we check to see if your bank account balance is sufficient to cover the amount of the linked bill.
  4. If your account balance is sufficient, StellarFi pays your bill.
  5. At the same time, you’ll automatically authorize a debit from your connected bank account for the amount of the bill.
  6. At least once a month, StellarFi batch reports your StellarFi Limit (which is based on the dollar amount of bills you’ve paid through StellarFi) to all major credit bureaus.

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:

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.

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.

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.

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.

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Forgiveness | FAQ