Download the StellarFi app today and access the easiest way to manage your credit score and bill payments.
View your current credit score and access your detailed credit report, just by creating your account.
Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to all major credit bureaus each month.
See your credit score increase while we build your payment history, optimize your credit utilization, and more.
Your credit journey starts by knowing your score. Get your current credit score for free when you sign up.
Make automatic bill payments using your StellarFi Virtual Bill Pay Card. Next, we report on-time payments to the major credit bureaus each month.
See your credit score increase while we build your payment history, optimize your credit utilization, and more.
Get instant access to your StellarFi Bill Pay Card with the StellarFi app. Pay all your bills on time with a flexible and easy way to raise your credit.
Add and manage your bill payments to your StellarFi dashboard. Track your on-time bill payments in one spot.
Your bill payments are reported to all major credit bureaus, improving a credit score that matters to lenders. Next stop: the 800 club!
Always access your updated credit report and score in the app. Your reported StellarFi Limit increases with bill payments made monthly.
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.
Add and manage your bill payments to your StellarFi dashboard. Track your on-time bill payments in one spot.
Your bill payments are reported to all major credit bureaus, improving a credit score that matters to lenders. Next stop: the 800 club!
Always access your updated credit report and score in the app. Your reported StellarFi Limit increases with bill payments made monthly.
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.
Discover the secret behind the countless StellarFi members, who choose it as their go-to platform for credit-building with every bill.
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.
StellarFi Member
It has been amazing and so easy to use. Thanks to increase rate and I was able to get pre-qualified for a house.
StellarFi Member
I’m thankful to be a part of StellarFi, I filled 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.
StellarFi Member
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 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® 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?
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 for 30 days, 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.
StellarFi uses your bank account to pay the bills we report to the credit bureaus. StellarFi can report positive payment history by paying your bills on your behalf. We aren’t a lender (loan nor credit card), so we debit your connected bank account for the amount of that bill after we pay it. Without your connected bank account, we won’t be able to pay your bill, which means that we can’t report your positive payment. Your connected bank account makes it possible for StellarFi to increase your credit score.
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.
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