How eCredable Lift™ works, and what it means for you


 Link an unlimited number of utility accounts*

 Automatically report payments to TransUnion†

 Lift your FICO® Score 8 and VantageScore® 3.0 in just a few days‡



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Important Information:

*eCredable has strict requirements for collecting and reporting payment information on your behalf. Some Utility Companies are excluded since they do not meet our security, data quality, or reporting requirements. eCredable does not link to all U.S. Utility Companies or Service Providers at this time.

†Due to factors beyond our control, we cannot guarantee that all of your payments will be accepted by TransUnion even though these same accounts may meet eCredable’s data quality and reporting requirements.

‡Results may vary. Some may not see improved FICO Score 8 or VantageScore 3.0. Certain accounts or account information could have a negative impact. Not all lenders use TransUnion credit reports impacted by eCredable Lift and FICO Score 8 or Vantage Score 3.0.


Link Your Accounts to eCredable

Secure end-to-end encryption to protect your account information.

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eCredable Lift™ Connects to over 2000 Utility Companies and Service Providers


  • You can link an unlimited number of eligible utility account types: power, water, gas, waste, certain mobile phones, cable TV, satellite TV, internet, and landline phone.

  • eCredable securely downloads your account information and up to 24 months payments directly from your online account on the utility company’s website.



Report Payments Automatically

eCredable reports to TransUnion automatically.

eCredable automatically reports your utility payments to TransUnion so they can be added to your credit report - only with eCredable Lift™.



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Lift your FICO Score 8 and VantageScore 3.0 in just a few days.

FICO Score 8 and VantageScore 3.0 based on TransUnion Credit Report.

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Don’t have a Credit Score?

Building credit score from scratch can take months, even years. You may be able to get a FICO Score 8 and VantageScore 3.0 in just a few days with eCredable Lift™.


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Already have a credit score?

Now there’s a quick way to improve your credit scores. You may be able to lift your FICO Score 8 and VantageScore 3.0 in just a few days with eCredable Lift™.


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Real Lift - Real Buying Power

Shop, compare and apply.

A higher FICO Score 8 or VantageScore 3.0 can lead to better financial terms on credit cards or loans from Banks, Credit Card Issuers and Lenders so you can apply with confidence.



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Start lifting your credit scores now!