StellarFi - Build Credit Score

StellarFi members grow their score by an average of 80 pts.* Improve your credit with no interest, no hard credit check, and no required deposits. StellarFi’s credit building app improves factors that make up 80% of your credit score.

With an excellent Trustpilot® score, StellarFi is a trusted app that helps build credit for hundreds of thousands of members nationwide.

Build your credit score with ease. StellarFi is the tool that turns ordinary bills — like streaming services, utilities, and rent — into credit builders. We report your on-time payments to the major credit bureaus, positively impacting your credit score.

Get a free and updated credit score
We give you the tools you need to monitor your credit score and build credit easily. After you get your credit score for free, start building your score through your StellarFi membership. View your credit score and report, as well as the reported credit limit all in your StellarFi dashboard.

How it works:
Sign up in just a few minutes and get an instant credit check – this is a soft pull and will not impact your credit score! Then, enroll in a StellarFi credit account for credit score monitoring and get access to your credit report. Add your bills to StellarFi and we’ll automatically pay them on their due date. Start increasing your credit when we report your bill payments monthly to Experian® as a line of credit. The more bills you pay through StellarFi, the faster your credit score can grow.

These benefits are included with your StellaFi app:
- Get a free credit score
- Members get access to credit score monitoring through their updated credit report.
- Keep track of your bills. With the StellarFi dashboard, you can keep track of all of your bills and upcoming payments in one place.
- Never miss a payment. With the StellarFi Virtual Bill Pay Card your bills are paid automatically.
- Earn credits toward your bills and membership fee when you refer a friend.
- Up to $25,000 spending limit on our most popular credit building plan.
- Credit education and credit projection tools

*Potential increase based on StellarFi member data. StellarFi members observed an average of 80 points VantageScore® 3.0 increase during a member’s lifetime, with regular on-time payments. Results may vary.

This is the beta version of the StellarFi app.

If you're exploring credit building but haven't found the right fit with Self Credit, Kikoff, Grow Credit, Extra Credit, Experian Boost, Cushion app, Credit Karma, or Chime Credit Builder, consider StellarFi as a unique alternative. We specialize in enhancing credit scores through bill payments, offering a personalized and effective solution. Our service stands apart in a crowded field, empowering your financial journey.