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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See how their reviews and ratings are sourced, scored, and moderated.
Scammers, do not trust them
Scammers, they lie, trying to say i owe them money, in fact i do not, dont use these i d i o t s
January 30, 2024
Reply from StellarFi
Hi Ryan,
We're sorry to hear about your experience, and want to assure you that we take your claims very seriously.
Upon a thorough review of your account and communications with us, it appears that our fraud team has promptly initiated an investigation into your concerns. In order to proceed further with this investigation, we kindly request that you respond to our follow up email or contact our Member Success Team at support@stellarfi.com as soon as possible..
We value your feedback and appreciate your cooperation as we work to resolve this matter.
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Very good service!
January 30, 2024
StellarFi has been great thus far
StellarFi has been great thus far. I have seen actual improvement in my credit score and the customer service they provide is efficient and timely!
January 30, 2024
Credit Score Increased!
My credit score has increased 25-30 points so far by literally just paying my bills like I normally do! This platform is so simple to use and it's nice to work on your credit without accruing more debt like credit cards can make you do!
February 6, 2024
Unprompted review
Even though my credit has not improver…
Even though my credit has not improver any, they do there job. I`ll just wait and see!
January 30, 2024
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I applied
I applied, couldn’t be verified and I sent an email to support for help with no response.
January 30, 2024
Reply from StellarFi
Hi Elizabeth,
We appreciate your feedback and we apologize for the inconvenience you have experienced.
After investigating your inquiry, it appears that we did respond to your email.
Please know that StellarFi utilize verification system to ensure security and accuracy of all application.
If you have any further questions or concerns, feel free to reach out to us again at support@stellarfi.com.
Meehh
They pay my bills on time but I have yet to see any real progress on my credit report and I’ve been with them for almost a year now. Probably not worth it unless you’re using it for over a couple of thousand dollars.
January 30, 2024
Stellar ways
Customer support made it very easy to close my account when I wanted to. The app is very easy to navigate.
September 28, 2023
Scam
Scam. Unauthorized Transactions in my bank account from being connected to their bill pay card. I believe hacking was involved on their end because they have access to the information not anyone else. My bank have placed a ACH Block to prevent anymore money from being withdrawed without my consent. Currently their is a investigation after letting them know but last time I went through a similar situation the bank had to retrieve my money.
February 2, 2024
Unprompted review
Reply from StellarFi
Hi Sho Muhammad,
Thank you for bringing this matter to our attention. We sincerely apologize for any inconvenience you've experienced, and we want to assure you that we take the security of our members very seriously.
Upon a thorough review of your account, our team promptly initiated an investigation into the unauthorized transactions you've raised via email. Our dedicated fraud team is actively working to understand the nature of the issue and take the necessary steps to resolve it. We are fully committed to addressing this matter promptly and efficiently.
To enhance security, we have implemented additional measures to prevent any further unauthorized access to your account. We understand the importance of maintaining trust with our users, and we are dedicated to resolving this issue to your satisfaction.
If you have any additional information or concerns, please don't hesitate to reach out to support@stellarfi.com or reply to the open investigation with our team.
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Outstanding Customer Service@
The customer service response after speaking with him.
February 1, 2024
Unprompted review
Prompt service
January 23, 2024
Worth the free trial to try. 100% Recommend
This is a great website to help build your credit while still saving each paycheck and I will refer this site to financially my students and anyone who is trying to build credit within a 6- month period.
January 30, 2024
Great way to build credit just by
Great way to build credit just by paying the bills the bills that you have to pay anyway. Great customer service. Would highly recommend!
January 30, 2024
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Customer Service Not Helpful
Kept telling me that something went wrong. Chatted with customer service and they said one time it was because it was a duplicate account. Second time, they resent me a password reset email but I never received them. I even checked my spam folder. Never received a reset email to log back in and that is all they wanted to do is keep sending the reset email.
January 30, 2024
Reply from StellarFi
Hi India,
Thank you for bringing this matter to our attention, and we apologize for any inconvenience you have experienced.
Our system prohibits the creation of duplicate accounts to safeguard security and integrity of user data. This precautionary measure is implemented to protect our members account information.
Regarding the issue with password reset, it appears that our team did send them to your personal email address. To resolve this promptly, our dedicated Member Support team will be reaching out to your directly to assist you with the log in process, and address any concerns you may have.
Once again, we apologize for any inconvenience this caused, and we appreciate your patience and understanding.
Scam, AVOID
Most horrific experience, with only one customer service representative, Violet G. They will block your account when they disapprove of you. They change cards without notification. They got banned by TransUnion. Check their website; they offered all customers a free month to compensate for the many points lost from TransUnion to avoid a class-action lawsuit, which I will be joining as soon it is filed. They send emails stating "has been marked as solved," which is automated, when no one has looked at the message. Please avoid this company; they will falsely make it seem like the score is high, but if you visit the actual credit bureau's website and check your credit, it is always way below that. The worst part is that there is no phone number to call; all communication is done by chat, which is a significant warning sign. Again, there are only two or three customer service representatives one of them is Violet G. for the entire company. This isn't for "public benefit"; this is a for-profit company with false advertising, false promises, and false service.
January 25, 2024
Unprompted review
Reply from StellarFi
Hi Heron,
We appreciate your feedback and we apologize to hear the challenges you've faced.
We take your concerns seriously, and we'd like to address the points you've raised.
Account security is our top priority, and we understand the inconvenience of temporary account locks. These measures are in place to safeguard our members from potential unauthorized access. Regarding your reported unauthorized charges, please be assured that we take such matters seriously and are conducting a thorough investigation to rectify the issue promptly.
To express commitment to our members, we offer $0.99 free membership fee since we believe that it typically takes 2-3 months for our members to observe positive changes in their credit scores. This free month is intended to provide our members with an opportunity to experience the benefit of our service over an extended period.
We understand your concern about TransUnion, and we want to reassure you that our team is actively working on reinstating our partnership with TransUnion. Rest assured that our members will be the first to be informed once this relationship is reestablished.
If you have any further concerns or if there's anything specific you would like us to address, please don't hesitate to reach out to support@stellarfi.com
I have credit card at Capital One,Bank…
I have credit card at Capital One,Bank of America,Discover it.Stellar fi tell me can't verify me .Loosing time .Bad experience .
January 23, 2024
Unprompted review
Reply from StellarFi
Hi Istvan,
Thank you for sharing your recent experience with StellarFi, and we sincerely apologize for any inconvenience you faced during our verification process.
At StellarFi, we rely on trusted third-party partners to assist us in verifying our members. This is crucial for ensuring that we accurately report positive credit history to the respective credit reports. Upon reviewing your account, it appears there may have been a slight hiccup in the automatic verification process.
Rest assured, our team is actively addressing this issue, and we will be sending you a direct follow-up with detailed instructions on how to successfully proceed with the verification process.
Once again, we apologize for any inconvenience caused. If you have additional concerns or questions, please feel free to reach out to us at support@stellarfi.com.
Product was with a strained and did…
Product was with a strained and did exactly what it supposed to do
January 21, 2024
Unprompted review
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Can't open an account without already…
Can't open an account without already having a good credit history.
January 8, 2024
Unprompted review
Reply from StellarFi
Hi Romain,
Thank you for taking the time to share your feedback and we appreciate your interest in opening an account with StellarFi.
We want to clarify that we do not consider credit history during our onboarding process. Instead, we operate on a unique model that relies solely on identity verifications to ensure the security and authenticity of our users. Our aim is to create an inclusive and accessible platform for everyone regardless of their credit history.
We apologize for any inconvenience you may have experience and we appreciate your understanding. To assist you promptly, our dedicated team will send you a direct email containing detailed instructions on how to successfully complete our identity verification process.
Should you have any further questions or concerns, please don't hesitate to contact us at support@stellarfi.com.
Excellent Customer Service
Excellent Customer Service. Knowledgeable employees, and very understanding. Thank you
December 30, 2023
A good bill pay start.
December 30, 2023
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