How Can You Make Credit

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One Of The Leading Causes For Stress Is Self Neglect.
​​​Don't Let Life Get In The Way.  Build Personal Credit Today!
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Build Credit Fast

StellarFi improves factors that make up 80% of your score

​No credit check. No interest. No deposits.
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Credit age
Build credit age by keeping your StellarFi account open while you’re a StellarFi member.
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​Credit use
Get rewarded for your on-time payments. Every time you pay a bill through StellarFi, your reported limit goes up, helping you maintain a positive credit-to-debt ratio.
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On-time payments
​Use the StellarFi app to pay bills on time, building a positive payment history with Experian® and Equifax®.
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Why should you care?
​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.

​Every month you pay your bills on time, yet that positive money habit isn’t reflected on your credit report. StellarFi changes that. With your StellarFi Bill Pay Card we pay the bill, you automatically pay us back, and we report your on-time payments to Experian® and Equifax®. Now your everyday bill payments, like your phone bill, rent, gym membership, and favorite streaming service, can increase your credit score. Easy peasy.
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Focus on your goals
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.
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How it works
Link checking account
Sign up and link a checking account that you normally use to pay your bills.

​Add your monthly bills
Add recurring bills you'd like to use to build your credit, like your rent, utilities, or streaming services.

​Pay bills & build credit
StellarFi pays your bill, you automatically pay us back, and we report your on-time payment to the major credit bureaus.
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Testimonials:
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"I’m thankful to be a part of StellarFi. I filed 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. I have spoken with the customer service team and the service was great! I actually have already been mentioning StellarFi to friends and family."
~Tanesha
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"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."
~Nyeim
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"I came onboard with a 600 credit score. Since I’ve been here, my score has grown to over 700 points now. That was my goal. But now that I can keep improving I want to reach 800."
~Omar
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