How does it work?

StellarFi helps build your credit by reporting your bill payments as a credit line to the major credit bureaus.

Here’s how it works:

1. Link your primary bank account – Use the account you normally pay bills from.

2. Add your bills – Choose the bills you want StellarFi to manage.

3. We monitor your balance – When a bill is due, we check to see if there are enough funds.

4. We pay the bill – If your balance is sufficient, StellarFi pays the bill on your behalf.

5. We debit your account – We then withdraw the same amount from your bank account.

6. We report your payments – Each month, we report these payments to the credit bureaus as a credit line.

Because your payments are reported as on-time and recurring, they help build positive payment history  which can improve your credit score over time.

StellarFi isn’t a lender, but by managing and reporting your bills this way, we help you build credit and unlock better financial opportunities.