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 Lift Supports It

Qualify for credit cards, auto loans and apartments
We verify eligible bills and add them to your TransUnion credit file with ongoing monthly reporting.
Increase your approval odds
On-time payments appear as new positive history that can help strengthen your profile over time.
Build a thicker credit file
Add approved past payments from select providers and keep reporting each month going forward.
Lower deposits and get better offers
A stronger file may reduce security deposits and unlock more favorable terms with some providers.
Track everything in one place
One dashboard shows what’s reporting and alerts you if any bill needs attention.
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.
Pick your Plan and Get Started

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