StellarFi

Build the credit you deserve with the bills you already pay.

360 followers

Build the credit you deserve with the bills you already pay.

360 followers

StellarFi is the only platform that reports unlimited bill payments to the all major credit bureaus: Experian®, TransUnion®, Equifax®, and Innovis. Use your Netflix, utility or rent bill to quickly build a positive payment history and overhaul your credit. We’re on a mission to make credit universal.🪐

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Launch tags:Fintech•Money•Personal Finance

Launch Team

ClarifyThe full-stack AI CRM for modern GTM teams

Promoted

I was homeless for about 6 months while I was making 96K a year. How? Because I didn't have credit. My story: This was in 2015. I was self-employed and didn't have any credit cards except one business credit card. I didn't have W2s. But what I did have was bills I paid every month. The bank didn't care. Even though I had the income I only qualified for an $80K mortgage. That is nothing in Austin. The VA wouldn't even qualify me. So I looked for an apartment. Austin had a housing shortage at the time, and that gave property managers leverage. Apartments asked for 3 month's rent because I didn't have good credit or pay stubs (remember, I'm self-employed). Texas doesn't protect renters, even ones that pay their bills, from scams like this. As a small business owner, I didn't have an extra $6K ready to drop on rent. I either had to move 1 hour south to find something affordable, or put my name down on a 6-month waitlist that didn't ask for a 3-month deposit -- waitlist it was. I was fortunate to live in a warehouse, shower in a gym, and eat out of my truck for 6 months. I least I had my dog with me. My story is becoming the norm for many responsible Americans. Like grades in school, a credit score is a bias number. Regardless of your intelligence, or in this case your ability to pay, YOU ARE NOT ENOUGH. To the team that is pushing back, thank you for helping even the score - pun intended.

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4yr ago

Maker

@praxedis_pineda wow, that is incredible. Thank you for sharing. Credit (or lack thereof) touches every aspect of our lives, but it especially impacts housing. It's our mission to make sure nobody has to go through a situation like yours because of their credit score. Also, I'm stealing that pun. 🚀

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4yr ago

Maker

@praxedis_pineda Thank you for sharing your story. You're right that you're not alone, and the paradox "it takes money to make money" is the same when it comes to credit. We're excited to have you on the StellarFi platform and are happy to support you along your credit journey.

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4yr ago

Maker

Lamine from StellarFi here 👨‍🚀 Through the course of my life, I’ve gone from refugee to U.S. Marine to financial advisor to startup founder. Along the way, my credit score played a huge role. I saw that bad credit was often a cause, rather than an effect, of cyclical poverty. Millions of creditworthy Americans are barred from building lasting financial stability because of their credit scores. Plus, existing credit-building options were inadequate at best, predatory at worst. My team and I built StellarFi to pave a new path. Here’s how we make credit-building radically inclusive: - StellarFi reports bill payments that people are already making, like Netflix, rent, or their phone bill, to Experian, TransUnion, and Equifax. - Members don’t have to take on new debt or pay a deposit to build credit. - Members pay one transparent monthly membership rate, with NO interest fees or surprise charges. Product Hunters can get up to three months free using the promo code on our page! - Certified one-on-one credit counseling services, financial education resources, credit monitoring, and ID protection are all included at no additional cost. I can’t wait to see how the world changes when everyone who deserves good credit can actually get it. We’re on deck today to answer any questions you may have! 🚀🚀🚀Use the promo code on our page and three months of StellarFi free after you link three bills.

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4yr ago

CloudDevs - Hire Developers

@zarradlb This is impressive! Love how intuitive and simple the interface is. Congratulations on the launch!

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4yr ago

Maker

@alcaan Really glad to hear that, and thank you so much! 🚀

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4yr ago

@zarradlb Awesome work, Lamine! Great product that solves a huge need - excited to watch this grow!

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4yr ago

Maker

@daniel_baum I appreciate the kind words! It's unreal how fast this one has grown 😅🚀

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4yr ago

@zarradlb What is the promo code?

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4yr ago

Congratulations on the launch StellarFI Team! Much success to the founder himself and everyone at the team and beyond! @zarradlb

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4yr ago

Maker

@kivon_scott thank you Kivon! We know you've been following since day 1. You're practically part of the StellarFi family by now!

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4yr ago

Maker

@kivon_scott Thanks for the support 🙏

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4yr ago

Maker

@kivon_scott Thank you, Kivon! Excited to have you follow us along the way and we hope you enjoy StellarFi.

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4yr ago

I struggled with credit throughout college and wish I had something like this earlier. Congrats on the launch team :)

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4yr ago

Maker

Same, Charlie, SAME 🤣 I could have avoided some rough times! Thank you for the congrats, our awesome StellarFi crew is celebrating today 🚀

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4yr ago

Maker

@charlie_liao Thanks Charlie!

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4yr ago

Maker

@charlie_liao Many of us on the StellarFi crew have had similar experiences and we understand the struggle in figuring out the credit system. Thank you for your support!

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4yr ago

@charlie_liao Didn't we all. What I like about what StellarFi is doing is that it's not focused on just helping you when you're struggling. You don't always have loans, but you always have bills. The use not just subscriptions, not just rent, but all your bills show bureaus you're a person worthy of good credit. All people pay bills, regardless if you're struggling or not. Love it.

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4yr ago

I love this idea! I have tried Experian boost but it doesn’t catch all the bills it should. My ex wrecked my credit and it has taken me almost 5 years to crack 600. Definitely going to check StellarFi out further!

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4yr ago

Maker

Oof, that's some collateral damage right there 😩 We built StellarFi to make it easy to build (or rebuild) as fast as possible. Great work cracking the 600 mark! Hopefully StellarFi is the icing on the cake 🎂 The...credit cake. It's been a long day 🤣

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4yr ago

@bobbi_butt I tried Experian "Boost." My score went down 2 points. I reached out and they said it could be a few months before I see a change. I jumped on the beta for this, and saw plus 5 points after the first time it hit my report. Experian only reports the little stuff. Cool thing here is they report anything and everything you pay on a monthly basis.

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4yr ago

Maker

@bobbi_butt So sorry to hear that. You're definitely not alone, and we have spoken to many people who are repairing their credit after divorces or relationship troubles. Unlike Experian Boost, we report ALL your bills directly to all three major credit bureaus. Your credit score is supported a lot more at this volume of payments.

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4yr ago

Maker

@praxedis_pineda we’ve heard similar stories about the Boost product! StellarFi is quite different in how we optimize ALL your score factors, and as you mentioned, the types and amounts of bills you can link vs other products. That’s probably why you saw that immediate jump. Thanks so much for that feedback!

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4yr ago

Just started using the app to build my credit after getting rid of my debt. Only issue I have is I’ve been locked out of my account and Im waiting for them to call me so we can fix my account

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4yr ago

Maker

Thanks Tyler! Yes, our identity verification process is pretty sensitive and some members have been hitting a snag there. Working on that. In the meantime I’ll connect with our customer support team and make sure you’re taken care of. Really appreciate it and awesome job getting rid of your debt, that’s no small feat 🚀

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4yr ago

Maker

@voltage_johnson Hi Tyler, have you tried to sign in again? You should be good to go! Please let me know if you experience any issues.

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4yr ago

Rebuilding credit can be a long and grueling process! Seems like this is a good , user friendly way to build. Looking forward to learning more!

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4yr ago

Maker

Thank you Haley! I've been through the process of destroying (oops) and rebuilding my credit... it was NOT a fun experience 😅 I'm grateful for the opportunity to help create a better credit-building experience! 🚀

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4yr ago

@haley_schirber I think the best part is the ability to add all my monthly expenses and then just let it run. It's like one of those Age of Empire games where you let your characters collect resources on your behalf. Set it and forget it.

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4yr ago

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