Build Credit Without
Loans or Credit Cards

eCredable Lift shows you how to build personal credit by reporting rent, phone and utility payments to TransUnion. It’s credit building that works with your real life.

Build Credit With eCredable Lift

Everyday Bills.
Real Financial Wins.

Better credit opens real doors. With eCredable, your bill payments do more than keep the lights on, they help move your life forward.

What It Helps You Do

How eCredable Business Lift Supports It

Get approved for apartments, phones and credit cards
Raise your credit score using rent, phone and utility payments
Save on deposits and monthly bills
Build your credit so you’re seen as lower risk
Qualify for better loan terms
Raise your TransUnion credit score over time, fast
Build credit without a credit card
Use rent, utilities, and phone bills to report payment history
Know when you're ready to apply
Monitor changes and track progress with confidence
See What Your Bills Can Do

How Credit Building Works

Building credit isn’t about new loans or cards; it’s about showing proof of responsibility with the bills you already pay.

You pay your everyday bills

Rent, phone, and utilities are part of your routine, but they don’t usually count toward yourcredit history.

eCredable reports them to the credit bureau

With your permission, eCredable securely sends these payments to TransUnion® so they appear on your credit report.

Lenders see your payment history

Once reported, these bills become part of your credit file, giving lenders more proofyou’re trustworthy.

Over time, your credit profile grows stronger

On-time payments build consistency. That consistency can raise your score and help you qualify faster for apartments, auto loans, credit cards andeven lower deposits.
See If We Support Your Bills

Real People. Real Progress.

Tens of thousands of people use eCredable for personal credit-building who have little or no credit or are rebuilding their credit. Their stories prove what’s possible.

“I went from no credit score to 672 in just a few weeks, all by reporting my rent and phone bill.”
Tasha M., GA
“I didn’t think I could build credit without a credit card. eCredable proved me wrong.”
Luis R., TX
“As a legal immigrant, I thought I was stuck. eCredable helped me improve my credit score and get my first credit card!”
Amin D., NY

One Lift Can Change Everything

Build credit faster, unlock better rates and stop getting denied for things you can afford. With eCredable Lift, your bills work harder, so you don’t have to.

Get Started for Only $9.95 per month