How eCredable Impacts Your Credit Score

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.

IMPORTANT INFORMATION:The presented results are specific to the consumer profiles created for the purposes of this analysis and should not be generalized. There are many unique factors impacting a given consumer’s credit score related to age and mix of credit accounts, payment history, utilization, newly opened credit accounts, among others. In the following scenarios, each utility account that was added included 12 months of on-time payment history.

Credit Builders

People who are entirely new to credit, people who want to raise their credit score or people who stopped using credit and are trying to start over.

VantageScore 3.0 range 300 - 850

IMPORTANT INFORMATION: The presented results are specific to the consumer profiles created for the purposes of this analysis and should not be generalized. There are many unique factors impacting a given consumer’s credit score related to age and mix of credit accounts, payment history, utilization, newly opened credit accounts, among others. In the following scenarios, each utility account that was added included 12 months of on-time payment history.

Credit Re-Builders

People who have stumbled with a late payment (or lots of late payments), or people who had an account that was sent to collections, and people that have over-used their credit.

VantageScore 3.0 range 300 - 850

IMPORTANT INFORMATION: The presented results are specific to the consumer profiles created for the purposes of this analysis and should not be generalized. There are many unique factors impacting a given consumer’s credit score related to age and mix of credit accounts, payment history, utilization, newly opened credit accounts, among others. In the following scenarios, each utility account that was added included 12 months of on-time payment history.

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. eCredableLift® 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 score. There’s never been a faster way to build credit.

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