"That’s in large part because traditionally, credit scores are made up of a person’s payment history on loans and credit cards. This means bills for everyday purchases like rent, utilities, and Netflix go unreported. These are people who pay their bills, and get zero reward for it. We want Stellar to let their bills pay them back – something they’ve deserved for a very long time.”

https://nytech.media/us-fintechs-selfbook-and-stellar-raise-funds/