No — StellarFi is not a credit repair service. Instead, we're a credit-building platform that reports your on-time bill payments to Experian as a credit transaction with a set spending limit. By reporting these positive payments, StellarFi helps build your payment history, improve your credit utilization, and enhance your overall credit profile, which can potentially increase your credit score.
Unlike credit repair companies, which focus on disputing inaccurate or negative information on your credit report to raise your score, StellarFi does not alter your past credit history. Rather, it supports you in building your credit through consistent, positive financial behaviors.