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With StellarFi, your bills are paid on time and reported to TransUnion, Experian and Equifax.
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No credit check. Easy approval.
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.
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Your credit score is supposed to reflect how likely you are to pay your bills on time. 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.
Create your profile and connect your bank account in about 3 minutes.
Consolidate your bills in the StellarFi app and we’ll make sure they're paid on time.
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.
StellarFi is an app designed to solve one of the biggest economic problems faced by American consumers–access to credit. We make it easy for people to consolidate their bills on our platform and pay them on time. Since we’re making the payments on behalf of our users using an invisible line of credit, we’re able to reliably report positive payment history to credit bureaus and help build credit.
Anyone who would like to build or repair their credit, or simply improve their score on a regular basis, will be able to accomplish their goals using the StellarFi app. StellarFi's tools are also useful to anyone who would like to consolidate their bill payments in one simple platform. You must have a valid social security number to use Stellar.
It only takes a few steps to build your credit with StellarFi. Individuals can onboard in three minutes by creating a profile and linking their bank account. Once in the dashboard, users activate credit monitoring and set up billers to automatically pay any recurring expenses. From there, StellarFi handles your credit building. StellarFi connects to individual billers and pays the bills on behalf of users. After the bill is sent, StellarFi collects the amount owed from users’ linked bank accounts then reports positive payment history to Experian, Equifax, and TransUnion.
We are the only reliable credit builder that helps you pay your bills on time and requires no deposit. StellarFi users will have the chance to earn rewards as they use the app. As a public benefit corporation, StellarFi is uniquely aligned to serve the underresourced by making good credit universally accessible.
No, not at all. That’s why we’re here to help!
Join the StellarFi waitlist today. If you already opted in to our beta program, head to our beta page.
