Qualifying Factor
Reports To: Experian, Equifax, TransUnion
Initial Credit Limit: N/A (bill-linking utility)
Type: Primary Tradeline (Revolving Reporting)
Hard Inquiry?: ❌ No
Monthly Fee: $4.99+
Setup Fee: None
Reports As: Primary Account
Time to Report: Typically 30–45 days
Phone: 877‑574‑4057
Reports to: Experian, Equifax, TransUnion
Description:
StellarFi is a public benefit fintech company that helps users build credit by paying existing bills—like Netflix, utilities, and rent. Users connect bill accounts, and StellarFi pays them on your behalf and then reports those payments as tradelines. This creates a powerful, automated payment history without adding new debt.
Special Instruction:
There is no hard inquiry or credit pull.
Users must link a checking account and set up recurring payments.
There are multiple monthly plan options based on reporting volume
To Qualify:
– Must be 18+ with a valid SSN
– U.S. bank account with ACH access
– Valid government-issued ID
– Active monthly bills to link (utilities, rent, phone, etc.)
Terms: Monthly subscription billing; tradeline reporting within 30–45 days.
Email: [email protected]
Phone : (800) 987-0288
Address: 1209 Mountain Road PL NE Ste. 7398 Albuquerque, NM, 87110, USA
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