About eCredable

Realizing your financial dreams is easier with better credit scores. 

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Addressing Financial Inclusion requires the efforts of every part of the financial ecosystem. We reimagined how User Permissioned Data could help people add more positive payment history to their credit reports. The result - better outcomes for the financial services that rely on this information and more affordable offers for people that need access to credit.


Our team of credit industry insiders has more than 125 years of combined experience.

The credit reporting system has undergone significant change in recent years. The transition from paper to electronic reporting, the advent of credit scores, and finally the consolidation of thousands of credit bureaus into the “Big 3” in the 1980’s. The addition of so-called “alternative data” has expanded the ability to use more sophisticated methods to provide even more credit scores, but there are still a lot of people who have no choice but to use non-traditional and often expensive financial services which inhibits their ability to improve their financial lives. Estimates run as high as 100 million consumers who could benefit from improved credit profiles. eCredable's credit building services are a valuable tool for improving credit profiles, and we are here to help. eCredable provides a variety of tools to improve the way you build credit, including:

  • Tools that empower you to report rent and utility payments to help you get the credit you deserve
  • Credit report and score updated monthly
  • Unbiased review of financial products like credit cards, personal loans, student loans and more
  • A clear plan to guide you on ways to improve your credit score
  • Matching credit card and personal loan offers to your current credit
  • Budgeting tools to help you manage today and plan for tomorrow
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Our technology fundamentally changes the way people start building credit.

We have developed the capability to furnish “alternative data” - data that is not typically found in credit files - to participating credit bureaus on behalf of the consumer. The industry refers to this information by many different names including “User Permissioned Data,” “Consumer-permissioned Data” or “Consumer contributed Data.” Our credit building services empower consumers to furnish account histories for rent and utility accounts to participating credit bureaus to build stronger financial profiles which typically results in better credit scores. There are two primary methods by which we provide our credit building services.

  • First, we provide our credit building services directly to the end user via eCredable.com for consumers. To support this direct model, we leverage Affiliate Marketing Partners who refer their customers to our website to take advantage of our products and services.

  • Second, we enable companies which have the technical capability to leverage our technology and deliver our credit building services to their customers embedded within their own user experience. In this embeded finance solution we manage all the data aggregation, formatting and furnishing processes complying with industry standards and the various government and industry regulations.
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Our partnership with more than 25 community organizations allows us to reach more than 15 million people. We’re just getting started!

Financial Inclusion requires help from everyone, starting with neighborhood grassroots efforts that are supported by the largest organizations in the country. The gap is the widest with people of color, so we have partnered with non-profits that are committed to systemic change to improve financial literacy, homeownership, and entrepreneurship.

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Leading the way to better credit scores.

eCredable set out to change this when the company was founded in 2009. Led by a former President of Equifax and a seasoned group of professionals with significant experience in the financial services industry, we took on the challenge of fundamentally changing how consumers start on their lifelong journey of building and maintaining a credit profile they can use to their advantage.

Steve Ely

Chief Executive Officer


Cutch Moore

President/Chief Operating Officer and Co-Founder


Terron Lindholme

Chief Technology Officer and Co-Founder


Susan Cataldo

Chief Compliance Officer


Peter Schoenrock

Chief Product Officer


Jay Mathis

Chief Architect


Steven Shaw

Director of Product Marketing and Co-Founder



Anthony Lazzarini

VP of ABN AMRO Clearing, formerly with TransUnion Data Governance


William “Bill” Cheeks

Former Equifax Executive, focused on educating the underserved


Shon Dellinger

SVP of BOLD, former Pres. of Credit.com, GM of myFICO.com, Yodlee​


Ken Driskell

Former CEO of First Colony Bank​

Robert Fite

Credit expert formerly with Experian, FICO and LexisNexis​


Ilyce Glink

Award-winning money and real estate Columnist, CEO of Best Money Moves​


Gene Kirby, Jr.

Former President of NewAlliance Bank, and Former Corp EVP of SunTrust Bank​


Wendy Stahl

Former President of CreditCards.com Int’l, Assistant Professor at NYU


Julie Stav

“The Latino List” member Award winning and financial educator


Rob Cardelli

President of Peak Technologies focused on Higher Ed & Public Services. Former Accenture, Ernst & Young


Dino Vasquez

Legal--law firm of Karr Tuttle and Campbell



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