StellarFi is not a credit repair service, but a credit-building platform that reports your on-time bill payments to Experian as a credit line with a spending limit. By reporting these successful payments, StellarFi helps improve your payment history, credit utilization, and overall credit profile, potentially boosting your credit 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.