I was issued a credit card which I never used with this fraudelent company and now you are reporting me as delinquent. Unbelieveable.
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See what reviewers are saying
I honestly can’t believe how quickly my score has gone up from using StellarFi. I went from 640 to 745 and my high credit limit goes up every time I pay a bill. It’s so nice to be able to build credit... See more
Stellarfi has been a significant asset for me along my credit journey. It's not only the credit boost for my credit score it's the extras Stellarfi offers. Stellarfi has great educational resources th... See more
I've been using Stellar to help get my credit back into shape for close to a year now.. and let me tell you, I couldn't believe my eyes when I saw my credit increase so significantly (+112!!!!) from p... See more
Company details
About StellarFi
Written by the company
StellarFi is the first and only credit builder that reports all bill payments as credit directly to the three major credit bureaus: Experian® and Equifax®. As a public benefit corporation, StellarFi sets out to close the wealth gap by making credit universally accessible.
Contact info
1700 S Lamar #338, 78704, Austin, United States
- support@stellarfi.com
- stellarfi.com
3.7
Average
176 reviews
No history of asking for reviews
This company hasn't invited their customers, so reviews may not be representative
Hasn’t replied to negative reviews
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Good customer service
28 December 2023
Completely and absolute waste
Completely and absolute waste. Don’t use.
You pay $10/month to have them pay your bills meanwhile a credit card is far more effective and cheaper (looking at interest)
28 December 2023
Unprompted review
Reply from StellarFi
Hi Sean,
Thank you for sharing your feedback. We appreciate your perspective and apologize for any dissatisfaction you've experienced.
We understand that everyone has different financial needs, and while credit cards can be a viable option for some, not all of our members are able to qualify for low-interest credit cards. StellarFi aims to provide a solution for individuals who may face challenges in securing such cards.
It's important to note that interest on credit cards can compound, and making it potentially more expensive option in the long run. Our $9.99 monthly fee is designed to offer predictability and simplicity, providing an alternative for those who prefer a straightforward approach to managing their bills.
We value your input and would love the opportunity to address any specific concerns you may have. Please feel free to reach out to our Member Support team at support@stellarfi.com.
Excellent Product And Service.
StellarFi is helping me improve my credit score every month. Their monthly fee is more than reasonable. Customer service is impeccable and accurate. I am a definite fan of StellarFi. So glad I finally gave them a try!
15 December 2023
My credit score went up but my bank…
My credit score went up but my bank kept getting unlinked therefore the report to the credit bureau was negative. My credit score dropped 125 points due to glitches with unlinked bank accounts. Don’t use this company!!!!
6 December 2023
Unprompted review
Reply from StellarFi
Hi Ace,
We appreciate your feedback and we're sorry to hear about the issue you've experienced with your bank account becoming unlinked. We understand the importance of a reliable service, it seems there may be a technical issue with our third-party partner (PLAID) when it comes to connecting your bank account. To resolve this issue, we recommend logging in to your StellarFi and reconnecting it again.
In regards to StellarFi being unexpectedly removed from your TransUnion file, leading to a drop in your credit score. Our team is actively working to reinstating our partnership with TransUnion, once we receive an update our members will be the first to be updated.
If you have additional questions or concerns, please don't hesitate to reach out to us at support@stellarfi.com.
This website is fake and misleading
This website is fake and misleading! I personally believe they’re only out to get people private information. I attempted to sign up for an account and they asked for various information which I provided. They even asked that I upload my ID and take a selfie, which I also did for them to tell me the account has been denied. Steer clear of this website I’ll definitely be reporting them to the BBB.
6 December 2023
Unprompted review
Reply from StellarFi
Hi A. Colvin,
We sincerely apologize for any frustration you encountered during the account sign-up process. The ID verification steps are in place to prioritize the safety of our members and ensure compliance with necessary regulations.
Upon reviewing your account, it appears that the documents and selfie submitted did not meet the qualifications to proceed with onboarding. To address this, we have reset your application. We kindly ask you to log in to your StellarFi account and upload the necessary documents once again. Our team will reach out to you directly, providing guidance on the document upload process.
If you have any additional questions or concerns, please do not hesitate to reach out to us at support@stellarfi.com.
StellarFi did not notify me or its…
StellarFi did not notify me or its members that their partnership with Transunion has been terminated or ended. Therefore, members such as myself StellarFi accounts were removed or dropped from reporting to Transunion causing credit scores to drop significantly.
StellarFi failed to notify its customers of such important information to simply make us aware of what to expect. Yet, StellarFi was to continue charging monthly fees / membership to customers. This is bad for StellarFi and its business manipulating its so called model and promise to help customers build credit or payment history.
Customer service representatives simply contradict themselves when you speak with them raising questions and asking about the reporting issues with Transunion.
StellarFi leadership CEO Executives and all other management knew this was to come about problems with Transunion reporting.
Now someone like myself whom paid membership on time and made payments thru StellarFi account can’t use the payments history or score to purchase a vehicle as planned because of StellarFi failure to meet its model and promise to build credit history.
For a week now no one has reached out to me when this issue first happened with Transunion. I was told it will be escalated to management or supervisor and someone will reach out with 24 hours. No one ever did in that time frame and when I finally I got an email it said ticket # has been resolved yet it was never resolved at all representatives are simply closing escalation tickets or issues without any resolution or solving anything that’s just unprofessional and poor work by StellarFi and its staff.
I have proof of chats / conversations.
I recieved a message stating ticket has been escalated again and someone will reach out (manager).
No one has still reached out via phone or email.
3 December 2023
Unprompted review
Reply from StellarFi
Hi Victor,
We sincerely apologize for the inconvenience you have experienced. We would like to assure you that we take your concerns seriously, and we are committed to resolving the issue you’ve raised.
The TransUnion removal happened quickly. Therefore, notification to our members was not as fast as we would have liked. Our team is actively in the process of restoring our relationship with TransUnion as we understand the importance of our members credit score and their financial goals.
In addition, we deeply apologize for your experience with our Member Success team. Your support ticket was escalated and a manager has reached out to ensure that all questions and concerns have been addressed. However, we are conducting internal reviews to ensure our representatives are well-informed and provide accurate information to our valued members.
Once again, we apologize for any frustration this may have caused and we appreciate your patience as we work diligently to resolve these issues.
If you have any further questions or concerns, feel free to reach out at support@stellarfi.com
StellarFi customer service is HORRIBLE
StellarFi customer service is HORRIBLE! You don't get a live person, you get a AI BOT that can't help with anything. I've spoken to 3 bots with no resolution to my issue. The bill pay card is being declined and stating it's expired and nothing has been done about it. It's not working for anything but they still want to collect their membership fee. This company and it's customer service is a joke. I DON'T RECOMMEND THEM AT ALL.
1 December 2023
Unprompted review
Reply from StellarFi
Hi,
We apologize for the inconvenience you're currently experiencing, and we thank you for your patience as we work towards a resolution. It shows that our Member Success Team has already addressed your concerns, and we've escalated the matter to our development team for a thorough investigation.
Unfortunately, our third-party card partner encountered a slight hiccup on their end. Rest assured, we are actively working to resolve this issue, and once resolved, our team will promptly notify you via email.
Should you have any further questions or concerns, please don't hesitate to contact us at support@stellarfi.com.
I highly recommend StellarFi
I highly recommend StellarFi! I’ve been using it the past couple months and it’s works like a charm! I can see my score increasing as the time is moving on. Easy to use and such a great app!
22 November 2023
Unprompted review
The first month my credit score…
The first month my credit score increased 40 points on average across the 3 credit bureaus. I'm optimistic the trend will continue.
28 November 2023
Unprompted review
I’ve had stellarfi for about 4-6 months…
I’ve had stellarfi for about 4-6 months and I’ve seen a 45 point increase in my score.
26 November 2023
Unprompted review
As someone who is trying to build/fix…
As someone who is trying to build/fix my credit I was very skeptical about StellarFi. It just seemed too good to be true. I will say I’ve been with them about 2 months and my credit score made a 28pt jump within the FIRST month! I couldn’t believe it! It was super easy to add my bills (just a bit time consuming) I have not seen another impact on my score since the initial 28pts but again it has only been 2 months and I am optimistic for the future while using StellarFi. I am so happy I took my chance with this company!
26 November 2023
Unprompted review
Score dropped 92 points! Cust service is a joke.
UPDATE: in response to SF comment on my review.
There was no other factor that dropped my score. I did not have my credit checked ot open or close a line of credit directly before or after the scores dropped. In fact, I added a secured card through open sky and my credit scores increased, which helped since SF tanked my scores. I have since closed my SF account and I caution everyone to read every review you can find on SF before signing up. ALSO Transunion no longer accepts informative from SF... probably bc it knows SF is a scam.
My credit score dropped 66 points on transunion and 92 points on equifax after just 3 weeks of opening the stellarfi account! All bills have been paid off course. That is totally unacceptable!!!
Update: the company's response to this review is ineffectual. A 92 point drop is not understandable under any circumstances.
The company is not reachable through the phone. Only email or chat is allowed. I interacted with 4 different representatives and none of them would help. Each chat session took over 30 minutes. Their customer service is abysmally poor. Their product is harmful. And their response is woefully inadequate. Look on other review sites besides trustpilot and you'll see what I'm talking about.
22 November 2023
Unprompted review
Reply from StellarFi
Updated Reply:
Hi Ginger! We wanted to follow up with your most recent comment.
To be clear, the singular addition of StellarFi as a new line of credit on your credit report will not result in a drastic score drop. As previously mentioned, a minimal score change could happen, but it typically regulates itself in a short period of time as is the norm when new information is added to a credit report. Once you've been an active member (usually 30+ days), most will experience a score increase (which can vary depending on how many bills are being paid through StellarFi, etc.)
In looking further, it appears as if there are other factors outside of StellarFi that could be affecting your score. We’re happy to explain privately as well as provide several resources that would be helpful. Please reach out to our Member Success team at support@stellarfi.com. Looking forward to hearing from you!
Hi Ginger,
We appreciate you reaching out and sharing your concerns about the unexpected drop in your credit score. We understand how crucial your credit score is, and I want to assure you that we take this matter seriously.
When a member opens an account with StellarFi, a new credit account is added to your credit report. This addition can influence your overall credit utilization and may temporarily reduce the average age of your credit accounts. It's important to note that these factors can contribute to a brief decrease in your credit score. However, this impact should resolve within the next couple of weeks, and your score is likely to rebound, especially in the absence of any other new credit activity outside of StellarFi.
If you have any further questions or concerns, feel free to reach out to our Member Success Team at support@stellarfi.com.
I would highly recommend StellarFi!
I would highly recommend StellarFi!! As someone who has bad credit, it’s hard for me to get an unsecured credit card. StellarFi makes it so easy to attach your bills and work on your credit. I’ve only had it about 4 months and I’ve already seen my credit score go up. 10/10 highly recommend!!!
21 November 2023
Unprompted review
Definitely improved my score
18 November 2023
Unprompted review
Awesome experience been very helpful …
Awesome experience been very helpful can't wait to continue to see my progress
15 November 2023
Unprompted review
This is a great app if you are not…
This is a great app if you are not financially struggling and maintain a high balance in your account. I live paycheck to paycheck and bills were declining due to other bills running the funds before stellarfi processed the payments. I just am not a fan of the processing times.
15 November 2023
Unprompted review
Reply from StellarFi
Hi Renae,
Thank you for taking the time to share your experience, and we apologize for any inconvenience this may have caused.
We understand that our processing time have been a concern, especially for those managing finances on a tight schedule. Our dedicated development team is actively working to enhance the efficiency of our payment system, aiming to better the needs of our members. Our goal is to provide faster and more timely transactions. Rest assured, once these improvements are implemented, our members will be the first to receive updates.
In the meantime, if you have any further questions or concerns, feel free to reach out Member Success Team at support@stellarfi.com
Stellar Fi is PROMISES KEPT
Stellar Fi is PROMISES KEPT! …. promises made & delivered
1 September 2023
Unprompted review
They report on time payments.
10 October 2023
Unprompted review
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