eCredable, LLC is led by industry experts: Terron Lindholme, CEO and Cutch Moore, COO.
We want to empower consumers to establish and build an alternative credit report.
eCredable realizes there has never been a better time for consumers to take charge of their credit profiles and to educate creditors how to obtain a more complete and accurate picture of applicants’ creditworthiness.
The eCredable team knows from personal experience, that many common bills we pay are not contained in our traditional credit files and therefore don’t give a complete and accurate picture of real creditworthiness. Most other important AND relevant payment information is left out (To understand “traditional credit file“, think TransUnion, Equifax, and Experian). This left-out payment information may likely include cell phone, rent, insurance, membership dues and subscription fees, childcare, tuition, all utility payments and SO MUCH MORE!
We too have missed out on important credit approvals or have been denied the best rates because the creditor didn’t have a complete understanding of our credit profile. The old adage of “You must have credit to get credit” has never been more real. We say, “NO MORE!” to these missed opportunities.
This is why we created a secure, web-based system that allows consumers, just like us, to easily self-report bill payments that enhance our credit profile. As a matter of fact, the eCredable team uses our own service to augment our credit bureau reports and scores (Even the eCredable payment becomes part of your established payment history!).
eCredable allows consumers to finally self-report a broader financial history with ANY application that requires a credit check. All bill payment information in an eCredable Alternative Credit Report is verified by an independent consumer reporting agency; a specially trained member of the National Credit Reporting Association (NCRA), and who has been Fair Credit Reporting Act-certified. NCRA’s Data Quality Standards meet and exceed FHA, Fannie Mae and Freddie Mac standards for manual verification and documentation of self-reported trade lines.