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How is StellarFi different than a credit repair service?

StellarFi is not a credit repair company. StellarFi is a credit-builder account that reports your on-time bill payments as a line of credit to major credit bureaus (Experian®, and Equifax®). Because StellarFi reports your successful payments, your positive payment history, credit utilization ratio, and credit history can be improved and will support increasing your score.

Credit repair companies identify and dispute inaccurate or negative information on your credit report to improve your credit score, which is not a service that StellarFi provides. StellarFi is focused on building your credit score based on positive actions, not retroactively changing your history to improve your score.

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