I have average credit; how can I improve my credit profile?
The stronger your credit profile, the better your options. We can help!*
There may be a lot of missing bill payment information from your current credit profile. Most of the monthly payments you make are not reported to the credit bureaus. Presenting your alternative credit history to creditors/lenders could make a big difference in your credit opportunities. You may receive better interest rates or terms. You might even be able to get the loan that was just out of reach.
And, a Federal Law called the Equal Credit Opportunity Act states that ALL creditors MUST take your alternative credit history into consideration.
So put your best foot forward and record that information in an eCredable Alternative Credit Report.
Here are just a few of the payments that may not be in your profile:
- Rent
- Utilities
- Insurance
- Cable or satellite TV
- Cell Phone
- And hundreds more!
*eCredable does not guarantee your eCredable Alternative Credit Report will get your application approved or a lower interest rate or security deposit. Actual creditworthiness criteria may vary from creditor to creditor and creditors have the right to determine a consumer’s creditworthiness based upon a multitude of criteria. However, the Equal Credit Opportunity Act, Regulation B permits you to attach your eCredable Alternative Credit Report to ANY application requiring a credit check and ALL creditors MUST consider it when determining your creditworthiness.