It's Erin Confortini

Build your credit with StellarFi

Join StellarFi today and access the easiest way to manage your credit score and bill payments.

Sign up to redeem your $5 promo code**

StellarFi x It's Erin
StellarFi x It's Erin
StellarFi x It's Erin
StellarFi x It's Erin
StellarFi x It's Erin
StellarFi x It's Erin




How it works

Get your free credit score

Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.

StellarFi x It's Erin

Add and pay your bills

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

StellarFi x It's Erin

Build your score

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

StellarFi x It's Erin
StellarFi x It's Erin

Virtual Bill Pay Card

One card for all your bills.

Get instant access to your StellarFi Bill Pay Card with StellarFi. Pay all your bills on time with a flexible and easy way to raise your credit.

Pay and manage your bills

Add and manage your bill payments to your StellarFi dashboard. Track your on-time bill payments in one spot.

Report up to a $25K credit limit

Your bill payments are reported to the major credit bureaus, improving a credit score that matters to lenders. Next stop: the 800 club!

Monthly limit increases

Always access your updated credit report and score in the app. Your reported StellarFi Limit increases with bill payments made monthly.

Auto-pay all your bills on time

Once you add your bills to StellarFi, your StellarFi Bill Pay Card will auto-pay your bills. Your virtual card can be used everywhere card payments are accepted.

Testimonials that speak louder than words

Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit-building with every bill.


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®and Equifax® 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 (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 $0.99 3-day trial, then $9.99/mo

Premium $29.99/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 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.

Still have questions?

Read our full FAQ to find what you're looking for.

Start building your credit score today

Sign up to redeem your $5 promo code**

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.

“ITSERIN5” Promotion by StellarFinance, Inc. (“StellarFi”) and its affiliates is valid 02/15/2024 -06/30/2024 23:59:59 EST and is limited to those who (i) sign up for a new account on StellarFi; (ii) are existing members of StellarFi, (iii) do not have a paused, locked, or closed account, (iv) and have a Lite, Prime, or Premium StellarFi membership Plan. Promotion expires 06/30/2024 23:59:59 EST. Individuals will receive a credit to their account of $5 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 “Promo Code Name”, 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 “Promo Code Name” 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.