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.

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

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. Learn how to optimize your credit score with TransUnion’s CreditCompass™ and 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 using eCredable LiftLocker to link your utility accounts, bank account, savings, credit card, investment and insurance accounts into one place.

Click here to find out how eCredable LiftLocker works

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Get credit for paying
utility bills on-time.

Most utility companies don’t report your monthly payments to the three major credit bureaus. That means you’re not getting the credit you deserve for paying these bills on-time every month.

eCredable  Lift® lets you do things you couldn’t do before by giving you the control to choose which utility payments you want reported to TransUnion® so you may raise your FICO® Score 8 and VantageScore® 3.0 in just a few days. There’s never been a faster way to build credit.

Find out how eCredable  Lift® or LiftLocker may help you raise your credit scores.

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Why eCredable?

It’s like having your own financial advisor at your side helping you manage your money and building credit for your lifelong credit journey.

Credit Building

Link your utility accounts to automatically report your payments on your TransUnion credit report and raise your credit scores. eCredable is the only company authorized by TransUnion to provide this service to you.

Credit Monitoring

Monitor changes to your credit report using TransUnion Credit Monitoring and get tips to optimize your VantageScore 3.0.

Personal Finance

Bring all your accounts into focus by linking cash, debit, credit, loans, investments, and insurance to stay on top of where your money goes.

Home-buying Journey

Our home buying journey lays out the steps to simplify the process, and makes it easy to include your real estate agent and mortgage broker along the way.

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Ready to get started?

Whether you’re just looking to raise your credit scores or want to begin the home buying process, eCredable has powerful tools to help your start reaching your goals.

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eCredable Lift is the fastest way you may raise your FICO Score 8 and VantageScore 3.0 credit scores from TransUnion.

I want Lift

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eCredable LiftLocker helps you build, monitor and leverage your credit score to support every aspect of your financial life.

I want LiftLocker