The four major credit bureaus in the US—TransUnion, Equifax, Experian and Innovis—maintain data on the credit histories of consumers and assign a score to those people when prompted by lenders looking for new customers. Credit scores range from 300 to 850. Americans with credit scores below 680, a group that comprises more than one-third of all Americans with files at credit bureaus, are challenged when looking for affordable credit. StellarFi, which opened for business in July 2022, markets a bill payment service aimed at helping consumers with scores below 680 because it positively imp...