My Security

Frequently Asked Questions

Here you will find answers to the most frequently asked questions.

If you do not find the answer you are seeking, please contact us through on-line chat or through email.


Is my personal information secure?

The safety of your personal information is of the utmost importance to us. eCredable maintains physical and procedural safeguards designed to protect the confidentiality of your personal information, and to comply with the highest level of physical and internet security standards. In addition to eCredable’s strict security policies and ID verification procedures, eCredable uses Secure Socket Layer Encryption (SSL) whenever sensitive information is sent or received. This provides the same level of security used by banking institutions and other on-line companies requiring the utmost protection for their customers.

What steps does eCredable take to protect my non-public personal information?

While eCredable does not operate as a typical credit bureau (i.e. we do not accept information into your file unless you authorize it, and we do not sell credit reports and scores to businesses), we strictly adhere to applicable laws concerning the protection of your non-public personal information. eCredable has made significant investments to protect your non-public personal information from theft and unauthorized use. Security of your personal information is the single most important consideration in the design of the eCredable products and website. eCredable has deployed the latest security technology and stores your personal information in highly secure data centers.

What are challenge questions and why do I need them?

Challenge questions help us identify you when you try to login and you are unsuccessful. If your username and password get compromised, challenge questions provide an additional preventive measure to keep them from accessing your account. When you enroll you will set up your challenge questions and answers.

Can I change my challenge question?

No, to protect your security, your challenge questions may not be changed at anytime. For further questions regarding challenge questions/answers, please visit the support page on this website to reach our support service center.

How does eCredable protect my information?

eCredable adheres to PCI (payment card industry) compliance standards for data security. We have partnered with ControlScan who is a leading provider of PCI compliance and security solutions. Our PCI compliance is a multifaceted security standard that includes requirements for security management, policies, procedures, website and network design, and other critical protective measures. This comprehensive standard is intended to proactively protect member account data.

What is PCI compliance?

Payment Card Industry Data Security Standards (PCI DSS) are network security and business practice guidelines adopted by Visa*, MasterCard*, American Express*, Discover Card*, and JCB* to establish a “minimum security standard” to protect customer’s payment card information. It’s a requirement for all websites that store, transmit, or process payment card information.

What is Secure Socket Layer (SSL)?

SSL is the standard security technology for establishing an encrypted link between a web server and a browser. This link ensures that all information passed between your computer and eCredable is secure and remains private. SSL is used by millions of websites in the protection of their online transactions with their customers.

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