T M.
Never used the Credit Card
I was issued a credit card which I never used with this fraudelent company and now you are reporting me as delinquent. Unbelieveable.

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.
StellarFi (stellarfi.com) has 168 customer reviews on Five Star Index, with an average rating of 4.2 out of 5.
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168 approved reviews, newest moderated first
T M.
I was issued a credit card which I never used with this fraudelent company and now you are reporting me as delinquent. Unbelieveable.
ryan
I started Jan 2024. They started upgrading around July/Aug 2024 and as of 1/30/2025, they're still down. When it's in business, It's totally worth it but not at the moment and to be honest it's a bit frustrating because they've been unavailable and useless for the past 6 months due to an apparent "upgrade" to their rewards and payment program, basically the entire point of their service. So after 7 months of having incredible service and outcome with them, they effectively shut down with no timeframe on returning set. They said we're upgrading our banking partners and will be gone for a short while, giving the impression out would be maybe a month at the most. No info or inkling this would be a long term issue as it's turned out to be. There was no notice that this upgrade would basically end service because I would have gone somewhere else already because I've just been waiting like a dummy. I need my credit repaired and sitting around this long waiting for their program upgrade with no contact from them about a status makes me the idiot. Plus their app has been removed from the play store so as of right now this is a failure and such a terrible loss.
Response from StellarFiFeb 3, 2025
Hi Ryan, We appreciate you sharing your experience and understand your frustration. Our priority has always been to provide a reliable and effective service, and we regret that the transition period has taken longer than initially expected. To clarify, we announced in August that we were upgrading our banking partnership to enhance our offerings, including a more seamless payment experience and improved rewards. While we initially anticipated a shorter transition, compliance and operational requirements extended the timeline beyond what we had hoped. We recently secured a new banking partner and are actively working to relaunch an improved StellarFi card, expected this summer. Even though our payment services are temporarily paused, your credit profile continues to benefit—we are still reporting your account to Experian each month, and no membership fees are being charged during this period. Your established payment history remains intact, supporting your credit-building journey. We understand the inconvenience this has caused and appreciate your patience. If you need any further clarification or assistance, please don’t hesitate to reach out at [email protected].
DONELL V S.
Great.. Service
Heron O.
After paying a premium subscription for over a year, they said that they were issuing better cards but that never happened. Since August and now mid November, they claim to not be taking new customers and yet people are still signing up, this is a scam that will seriously damage your credit score
Response from StellarFiNov 16, 2024
Hi Heron, Thank you for sharing your concerns. We appreciate the opportunity to address them. First, we want to clarify that StellarFi has temporarily paused operations as we work to finalize a partnership with a new banking institution. This process involves meeting compliance and operational requirements, which has unfortunately delayed the rollout of new cards. We sincerely apologize for any frustration this may have caused. During this pause, existing accounts remain active, and we continue reporting account activity to Experian on a monthly basis, fulfilling our obligation to support our members' credit-building efforts. While new members can sign up, they cannot fully utilize the service at this time. Rest assured, we will notify them as soon as our services resume. We want to emphasize that this temporary pause does not directly impact credit scores. Scores are influenced by overall credit health, and StellarFi remains committed to supporting our members throughout this process. If you have additional questions or concerns, feel free to reach out at [email protected]
Dr Tracy L.
The email help was very helpful, but the chat line is terrible
Chrystina C.
I was trying to sign up for membership and was told could not be verified. Had the option to do manual verification which I did and was still denied because I am in the U.S Virgin Island which is part of the United States. That is crazy to me but that was after the hold was placed on my credit card. How ironic, your company has no problem requesting for a hold charge but won't accept my membership. Sucks that they lose a potential customer because of limitations. In response to your comment I am not in any receipt of any card nor membership as of current.
Response from StellarFiAug 14, 2024
Hi Chrystina, Thank you for reaching out, and we sincerely apologize for the inconvenience you’ve encountered. It appears that you successfully completed our onboarding process since you received your StellarFi virtual pay card. To assist you more effectively and resolve this issue promptly, we kindly ask that you contact our Member Success Team at [email protected]. This will allow us to gather the necessary details and address your concern as quickly as possible. We’re committed to ensuring your experience with StellarFi is seamless, and we appreciate your patience as we work to make things right.
customer
The last representative was a lot of help.
Response from StellarFiAug 14, 2024
Hi! Thank you for your feedback! We’re glad we could assist with your inquiry. If you have any further questions or need additional support, don’t hesitate to reach out. We’re here to help!
Timothy R.
Rebuilding credit is not always a slow and painful process. No matter what the circumstance, with patience and on time payments things will get better! StellarFi continues being instrumental in rebuilding my credit. There is never a case of overdraft or funds being charged if your balance does not have enough to cover the payment. They exhibit effective communication, empathy and patience. I've had many issues arise, questions answered and things explained when using both the $4.99 and $9.99 plans. Very timely responses and they are here to ensure you are on the right path. Excellent experience and I will continue to use them because why not? You're paying bills anyway, why not let that contribute to boosting your credit score?! I highly recommend StellarFi!