With StellarFi, your bills are paid on time and reported to TransUnion®, Experian®, and Equifax®.
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. Customers who make on-time payments can see an average credit score increase of 80 points.*
Try StellarFi Prime for just 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.
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.
*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.
** “DAILYPAY10” Promotion by Stellar Financial Inc. (“StellarFi”) and its affiliates is valid 9/22/2023 -12/31/2023 23:59:59 EST and is limited to those who sign up for a new account on StellarFi, are existing members of StellarFi, and (i) do not have a paused, locked, or closed account, and (ii) have a Lite, Prime, or Premium StellarFi membership Plan, and (iii) have successfully completed a bill or membership fee payment through StellarFi. Promotion expires 12/31/2023 23:59:59 EST. Individuals will receive a credit to their account of $10 USD, which may be used as “Credits” toward their future membership fees or bills. “Credits” will automatically be applied to the next withdrawal on a StellarFi account. “Credits” may not apply as a refund to any bills or fees and never be redeemed for cash. The credit deposit will come in the form of a deposit labeled as “DAILYPAY10”, and will be available in a member’s account within 30 days after they meet the criteria set forth above. StellarFinance, Inc. reserves the right to modify or cancel the offer at any time. Individuals are limited to use of one “DAILYPAY10” credit per account. Only applicable to qualified StellarFi members or prospective members. See StellarFi’s full Terms of Service here.
Program is void where prohibited or if accounts or transactions are fraudulent, abusive, not completed through legitimate channels, in violation of these terms, or irregular in any way.