StellarFiStellarFi 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.
Is this your business?
Correct your details and reply to customers in public. Both are free.
Claim this listing
Banking & Money · Dallas, Texas
Excellent
Banking & Money · Temple, Texas
Excellent
Banking & Money · Allen, Texas
Excellent
Banking & Money · Humble, Texas
Excellent
168 approved reviews, newest moderated first
Prince
Paying my bills on time and then they reporting it to Equifax and Experian. lastly, from my observations if Stellarfi starts reporting to TransUnion they will be more great.
LAURI W.
I love StellarFi. Rebuilding my credit after almost losing it all. Very service friendly company and quick response to questions. Thanks!
M S.
Non stop spam calls from this company I never signed up for anything but they won’t stop calling leave me alone
Response from StellarFiJul 25, 2024
Hi, We sincerely apologize for any inconvenience you’ve experienced. Please note that we do not call our members; we provide assistance exclusively through chat and email at this time. If you need any support or have further concerns, feel free to reach out to us at [email protected]. We’re here to help.
sophia B.
Customer service was well attentive. respond to questions in a timely matter was very knowledgeable and helpful. Will recommend others to get the help they need..
Response from StellarFiJul 25, 2024
Hi Sophia, Thank you so much for your kind words! We're glad to hear that our Member Success Team was attentive, knowledgeable, and helpful. It's our goal to provide timely and effective support to all our members. We greatly appreciate your recommendation and are here to assist whenever you need help.
Francis L.
I should have joined StellarFi earlier. Thank you
Cy P.
I signed up for stellarfi and configured it to pay a single bill for around $30 monthly. I recently discovered that I was automatically placed into the prime tier of service + charged $10 every month for the 5 months since I signed up. The Prime tier service offers no benefit for my usage of approximately $30 in monthly bill payments ... In fact, it's only useful to individuals that are paying more than $500 in monthly bills using stellarfi. This automatic enrollment into a higher-cost tier without clear disclosure represents a deceptive practice, especially considering stellarfi targets an audience of financially vulnerable individuals. The effective interest rate on this $30 loan, repaid in full each month, amounts to an APR of approximately 400% - a rate that would be considered predatory by most standards. I understand that StellarFi is registered as a Public Benefit Corporation (PBC). This makes their practices even more concerning, as PBCs are expected to balance profit with a public benefit. Stellarfi's current practices seem to contradict the spirit and purpose of a PBC, especially one purporting to help financially vulnerable individuals. I requested a refund of the difference between the $10 monthly fee I've been charged and the $5 fee for the appropriate tier for my usage. This amounts to approximately $25 for the past five months. The company refused my request with the explanation that the $0.99 introductory fee and subsequent $10 per month fee structure represented user fees and the user agreement posted on their website says that user fees are not refundable.
Response from StellarFiJul 11, 2024
Hi Damien, Thanks for sharing your feedback with us. We genuinely value the opportunity to understand and address our members' concerns. First, we apologize for any confusion or inconvenience you have experienced regarding your service plan. During our onboarding process, members have the option to choose between our "Lite Plan" and "Prime Plan." It's important to note that StellarFi is not aware of the total amount of bills a member has when they initially join. We aim to offer flexible plans to accommodate varying needs, and our Prime Plan is designed for those who benefit from managing higher monthly bills. However, we understand that this may not have been the best fit for your usage of approximately $30 in monthly bill payments. Regarding your account, we have been consistently reporting it as "Current" for the past five months, which positively impacts your credit report. While our user agreement states that user fees are non-refundable, we understand your frustration and are always looking for ways to improve our customer experience. We would like to offer further assistance to resolve this matter. Our Member Success Team will reach out directly so we can discuss your situation in more detail and explore possible solutions.
Elijah W.
I would give this company 5 stars.. but they only report to Experian as of right now. I have a credit limit with StellarFi for over 21,300. It’s helped my Experian score big time and helped me get approved for a high limit personal cc. Hopefully they resolve the issue with TransUnion and Equifax.
Janice B.
StellarFi is not a scam. When it works, it works. When it doesn't work, it's a collosal frustrating, time sucking failure. I selected this service as a part of buidling my thin credit profile back up. At first it worked beautifully. In less than 30 days I went from literally a FICO of 4 up to the 600's. However, from time to time, I had issues with what StellarFi sees in in my bank account. StellarFi's information is not REAL TIME. It uses a system called MX to connect with your bank to see what is in your account. You might notice that your bank is now allowing you to see what is in your other accounts. It does this thorugh the same MX system. I only use one account for all my reoccurring payments. I transfer that money into this account once a month. Over time I discovered that the information that StellarFi had on my bank account balance was not real time, but delayed time. Then late last week, the account where my reoccurring payments are being made from does not connect via the MX system to StellarFi. Non of my banks that use this service are able to connect to this bank account using the MX system as well. As a result, I had to move the money for my reoccurring payments to another bank. This bank connected to StellarFi via the MX system but it reported a balance of 36.25 (over a week ago) when there was more than $400 in the account. This afternoon the same $36.25 is still being reported even though there's more than $193 available balance in this account, and the last system sync with the MX system was 2 hours ago. I have tried to work with StellarFi's chat system for assistance. Not getting much help there, although the individual on the other end did try to assist. In the meantime I have had to again move my money, or outright move back to the debit card for the account that I'm paying through. This not only defeats the purpose of using StellarFi; it also has become a time sucking, frustrating experiance for which there is no human face or voice to connect to since the issue, I believe, most likely lies not with StellarFi or either of my banks, but the MX system itself. As far as I can figure this faceless, nameless, phone numberless system that the banks and StellarFi are using have an issue and without a face, name, voice or phone number, I don't know how to get it resolved. So my vote at this moment in time is that my results are mixed and if you're getting less than satisfactory results, perhaps try a different strategy to build your credit score. Personally, I'm reevaluating my strategy and going back to the drawing board.
Response from StellarFiMay 28, 2024
Hi Janice, Thank you for taking the time to share your detailed experience with StellarFi. We deeply regret the inconvenience and frustration you've encountered. We strive to provide a reliable and effective service, and it’s clear that in this instance, we fell short of your expectations. First, we want to extend our sincerest apologies for the issues you experienced with the MX system’s delayed reporting of your bank account balances. We understand how crucial timely and accurate information is for managing your finances and building your credit profile. Your feedback is invaluable, and we will be sharing your concerns directly with the MX team to address these connectivity and reporting issues. We are committed to resolving this situation for you. Our support team will reach out to you directly to assist with your account and ensure a smoother experience moving forward. Additionally, we will work closely with the MX team to improve the real-time accuracy of account data and connectivity. We appreciate your patience and understanding as we work to enhance our service. Your feedback helps us improve, and we hope to regain your trust. If you have any further concerns or require immediate assistance, please don't hesitate to reach out to us directly at [email protected].