Build Credit With Every Bill You Pay
Most of your bills don't help build your credit score.
With StellarFi they do.
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.
Add and pay bills
Make automatic bill payments using StellarFi’s Virtual Bill Pay Card. Next, we report on-time payments to the major credit bureaus each month.
Build credit score
Credit scores increase while we build payment history, optimize credit utilization, and more.
Start with your free credit score
We all start somewhere. Get your free, up-to-date credit score when you sign up.
If your credit score isn’t as high as you need it to be, don’t worry — it’s not stuck at that number forever. StellarFi can help you improve your score without taking on debt.
Create an account in just a few minutes to start building your credit score.
Grow your score within 30 days
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 $0.99 and start building your score.
We pay your bills on time
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 the major credit bureaus
Although StellarFi is not a credit card, it shows up on your credit report 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 credit 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.
** “OPENSKY5” Promotion by StellarFinance Inc. (“StellarFi) and its affiliates is valid 6/30/2023 -12/31/2024 23:59:59 EST and is limited to those who sign up for a new account on StellarFi, and (i) do not have a paused, locked, or closed account, and (ii) have a Lite or Prime StellarFi membership Plan, and (iii) have successfully completed a bill payment through StellarFi. Promotion expires 12/31/2024 23:59:59 EST. Individuals will receive a credit to their StellarFi 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 “OPENSKY5”, 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 “OPENSKY5” 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.