How eCredable Helps when You Have No Credit

Your utility bill payments can raise your VantageScore® 3.0 when you don’t have any credit.

Your credit is as unique as your DNA. There are too many variations to try to explain how utility payments will impact your credit score exactly, so we’ve provided you with some general credit profiles that you should be able to relate to.

Pick the one that comes the closest to your “credit DNA” to get a sense of what might happen when you report phone and utility payments to TransUnion.

In the examples below, each utility account added has 12 months of payment history:

What is VantageScore 3.0®

VantageScore 3.0 is one of the most popular credit scores, both among lender and consumers. It's used by more than 2,400 lenders, including 20 of the top 25 banks in the US. And over 8 billion VantageScore credit scores are issued per year - so you may have already be familiar with it.

VantageScore 3.0 range 300 - 850

Get credit for paying your 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. We’ve just changed the credit reporting industry forever, and we did it for you!

There’s never been a faster way to build credit. 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 can quickly raise your VantageScore® 3.0. There’s never been a faster way to build credit.