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LiftLocker
LiftLocker

Your money and credit are better when they’re together in one app
eCredable LiftLockerTM

Raise Your Credit Scores from TransUnion

Reporting your utility accounts on your TransUnion credit report may raise your FICO Score 8 and VantageScore 3.0 credit scores overnight. And you can match your credit profile with financial offers that you are more likely to qualify for.

Monitor Your Credit at TransUnion

Get a monthly TransUnion credit report and VantageScore 3.0. Receive alerts when there are any changes to your credit report. VantageScore® Simulator ‐ see the impact of reporting utility accounts on your credit score.

Manage Your Money

It’s hard to manage your financial life when your accounts are scattered all over the place. Bring everything into focus by linking your utility accounts, bank account, savings, credit card, investment and insurance accounts into one place.

Find out how eCredable LiftLocker works

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Get credit for paying utility bills on-time.

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eCredable Lift®

$24.95/year

Choose this plan if you want to:

  • Raise your FICO® Score 8 and VantageScore® 3.0 overnight by reporting your utility payments on your TransUnion credit report.*†‡

  • Great for people who have no credit score, little credit or in the process of rebuilding your credit.

eCredable LiftLocker

$9.95/month

Choose this plan if you want to:

  • Raise your FICO® Score 8 and VantageScore® 3.0 overnight by reporting your utility payments on your TransUnion credit report.*†‡

  • Best for people who want everything all in one app--credit building, credit monitoring, credit score simulator, spending and cash flow analysis and personalized budgets to achieve your financial goals!

Important Information

*Results may vary. Some may not see improved FICO Score 8 or VantageScore 3.0. Certain accounts or account information could have a negative impact. In order to maintain the quality of the credit reporting system, eCredable reports both positive and negative payment status information. If a payment were made 30 days or more past the due date, that payment would be reported as late. Not all lenders use TransUnion credit reports impacted by eCredable Lift and FICO Score 8 or Vantage Score 3.0.  Learn more

†Due to factors beyond our control, we cannot guarantee that all of your payments will be accepted by TransUnion even though these same accounts may meet eCredable’s data quality and reporting requirements.

‡eCredable has strict requirements for collecting and reporting payment information on your behalf. Some Utility Companies are excluded since they do not meet our security, data quality, or reporting requirements. eCredable does not link to all U.S. Utility Companies or Service Providers at this time.