Build Your Credit Score With Just Paying Your Everyday Bills
eCredable Lift® report rent, phone and utility payments to TransUnion, so you can raise your credit score and open the door to real financial progress
What Could Better Credit Do for You?
Lower Bills
Save money on car insurance, phone plans and more
Easier Approvals
Improve your chances of getting approved for apartments, credit cards and auto loans
Lower Interest
Qualify for better rates on credit cards, car and personal loans
Skip Deposits
Avoid security deposits for rentals, utilities and service accounts
Stop the Guesswork
Know when you’re ready to apply for credit, housing, or financing before you risk a denial
Build Momentum
Use bills you already pay to make steady progress toward your goals
Start for as low as $9.95 a month
Easy Credit Building
Set Up in Under 5 Minutes
We securely connect to most banks and credit unions and report eligible payments, so the bills you already pay can help you build credit. Get set up in about 5 minutes.
Connect Your
Bank Account
Link the bank account you use to pay bills. Your data stays secure and private.
Report Past and Ongoing Payments
We find eligible rent, phone and utility payments. You choose which to include, with up to 24 months of history at no extra cost.
Build Credit
With TransUnion
We report your payments each month, helping you establish a stronger credit history over time.
See Results in as Little as Two Weeks
Whether you’re just starting, rebuilding or need to improve your credit score with bills, eCredable Lift helps you move faster.
New to Credit?
Get a credit file created in days (not months) by reporting bills you already pay.
Trying to Rebuild?
Add more positive payment history and improve your score.
Want Faster Results?
Report up to 24 months of history and start seeing score movement in as little as 14 days.
Upgrade to eCredable LiftLocker for the Full Financial Picture
eCredable LiftLocker combines everything in eCredable Lift credit building, TransUnion credit monitoring and homebuying readiness. Get personalized insights, monitor your progress and explore smart strategies to help you move forward with confidence.
Understand how to increase your credit score to more than 700
Simulate credit moves before you make them
Track your budget and credit side-by-side
Get personalized credit building insights
It Only Takes One Lift
You’re already paying the bills. Why not use them to build credit? eCredable helps you build the credit you deserve! Simply, affordably and securely.