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.

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.

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!

Really love the concept: building credit by using bills you already pay. Simple and powerful. I think this service could be extended along some useful lines to include complementary services. I tried the app... onboarding process was simple. Glad to see Stellar leveraging Plaid for connecting to all my accounts. The concept of a credit simulator is interesting. Received an error when simulating one specific scenario, but otherwise worked great in modeling different actions. Powerful tool with lots of potential. Will definitely recommend to people I know who are having challenges building credit. Think this could help a lot of people.

Great product. Congratulations on building and launching it.

That's so cool :)

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

When the opportunity to join the StellarFi came up, I jumped at the chance. StellarFi’s mission to help open doors to those struggling within the financial system really resonated, as did the excitement of building an innovative product. I am so proud to be a part of this team and of what we built together. Here’s to just getting started!

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

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!

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

For years friends and I have discussed this issue at length.. about how the bills that matter don’t even help us! Growing up in poverty it’s been a struggle to make it on my own as an adult, THIS is the product we’ve been waiting for and something like this is going to be what helps me eventually be a home owner one day! So so incredible!

What a great idea to help level the field. Poor credit is keeping people who already over-pay exorbitant rent from being able to experience the pride of home ownership, and that hurts EVERY neighborhood. If you pay a combined $4,000 or so per month in rent, utilities, memberships, credit cards, etc... you should sure be able to buy a car and qualify for a mortgage. Low credit scores penalize loan seekers too. I love this concept!

Congrats @zarradlb & StellarFi team! Simple + Powerful = Massive impact for everyone deserving credit 💪🚀

This is a great product that fills a huge need for 1) people to pay bills and 2) for people to build credit. Love the explanations and details provided. Think this is a winner!

I am happy with StellarFi. Customer support has been very helpful. I'm looking forward to great results.

Thrilled about this launch! I know far too many Millennials who pay all their bills on time but are still shut out of home ownership — forced into paying exorbitant rents due to how the credit system is designed. I look forward to StellarFi empowering so many people who could benefit from this platform!

Hey team, congratulations on your launch

Amazing product! Tried it and loved it ❤️ Keep it up guys.

Cool product @zarradlb congratulations on the launch !