Build credit age by keeping your credit account open while you're a StellarFi member.
Lower your credit utilization as we optimize your StellarFi credit account to reflect an ideal credit-to-debt ratio.
Use the StellarFi app to pay bills on time, building a positive payment history with Experian®, TransUnion®, and Equifax®.
StellarFi works with you on something you already do – pay your bills. But most of your bill payments go unreported because they are not made on loans or credit cards.
StellarFi's unique solution reports payments like your phone bill, rent, yoga class, or favorite streaming service to all three major credit bureaus. Now, the bills you already pay can build your credit.
Whether you are starting with no credit history, planning for a major purchase, or simply trying to bounce back–let StellarFi help you manage your goals in one place.
Sign up and link a bank account that you normally use to pay your bills.
Choose and link the bills that you want to pay through StellarFi.
StellarFi will report a positive payment history and optimize your credit utilization ratio throughout each month.
We use the most advanced security protocols and bank-grade encryption to secure all of your data.
We do not store any of your financial information. Instead, we keep random digital tokens to represent your account at your financial institution.
We use StellarFi virtual cards to pay your bills, protect your privacy, and safeguard your real data.
We report payments on each bill to Experian®, Equifax®, and TransUnion®. No more worrying about which score a lender will use, because StellarFi counts toward all of them.
Unlike other credit-building tools, StellarFi reports any linked bill payments to Experian®, Equifax® and TransUnion®. Then, we optimize your StellarFi credit account to minimize your credit utilization ratio. This approach is the most effective and reliable way to build credit.
StellarFi is NOT a secured card. There's no deposit required to build credit, and no hidden fees. Plus, StellarFi memberships allow you to link any type of bill.
Read our full FAQ to find what you're looking for.