Founded in 2025 with the intention to streamline and simplify the credit scoring system, we have the goal to help individuals and small businesses build transparent reliable profiles through verified data reporting.
We believe financial responsibility should be rewarded--not punished. Closing accounts, paying off debt, or choosing to live debt-free should strengthen your reliability, not lower your standing.
At Stillwater, we prioritize consumer consent, accuracy, and education to create a fairer, more human-centered credit ecosystem.