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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. No interest. No deposits.
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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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.
Create your profile and connect your bank account in about 3 minutes.
StellarFi will report every on-time bill payment directly to the Experian®, Equifax®, and TransUnion® as credit.
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 a Public Benefit Corporation set out 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, we’re able to reliably report positive payment history to all three credit bureaus and help build credit. Get the credit you deserve with StellarFi.
It only takes a few steps to begin building your credit with StellarFi. Activate your StellarFi membership in three minutes by creating a profile and linking your bank account. Once in the dashboard, members can activate credit monitoring and set up billers to automatically pay any recurring expense. 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, TransUnion, and Equifax.
StellarFi is the first and only app that reports an unlimited amount and variety of bill payments directly to Experian, TransUnion, and Equifax, quickly building a positive payment history for its members. As a public benefit corporation, StellarFi is uniquely aligned to serve the underresourced by making good credit universally accessible.
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. StellaFi'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 and be over the age of 18 to use StellarFi.
Yes! Once you’ve linked your current bills, StellarFi will make the payment on your behalf and then debit your bank account. That way we are able to report your payment history to all of the major credit bureaus!
Unlike credit builder loans, we don’t require our members to remit monthly payments on a secured loan or ask for deposits. We simply pay your bills and withdraw money from your account to cover those bills.
StellarFi will create a new credit account on your credit report. While StellarFi is NOT a credit card or a loan, your on-time bill payments will build your payment history and the credit account will improve your credit utilization ratio (also called your credit-to-debt ratio). Within the next month, we will be reporting to all three major credit bureaus (TransUnion, Experian, and Equifax) and will use on-time StellarFi payments as factors contributing to official credit scores.
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® and TransUnion®. 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.
