Build Credit With Bills You Already Pay

With eCredable Lift, you can turn everyday rent, phone and utility payments into real credit-building power. It’s fast, easy and gives you more financial control over your future.

Report to TransUnion in just a few clicks

Start building your personal credit without new debt

Unlock better interest rates, lower insurance costs and savings on phone plans

Start now and save 10% on your new subscription.

Build Credit That Opens Doors

Results may vary. Not all payments are eligible. Payments may take up to two weeks or more to appear on your TransUnion credit report. Some users may not receive an improved score or approval odds. Not all lenders use TransUnion, and not all lenders use credit scores impacted by eCredable Lift.

A Better Score Can Mean Bigger Savings

Your credit score isn’t just a number, it’s your budget defender, helping you fight back against rising costs and unlock meaningful savings.

Lower interest rates on loans and credit cards

Reduced insurance premiums

Faster rental approvals with smaller deposits

Fewer utility and phone service deposits

Access to better rewards and financing options

Get 10% off your eCredable Lift subscription and start building your personal credit while saving smarter.

Start building credit while saving smarter

Build Credit Without Taking on Debt

eCredable Lift turns everyday bills into credit-building power.

No new loans or cards needed

Build your personal credit using the rent, phone and utility payments you already make.

TransUnion reporting

Apply with lenders who rely on this major bureau for credit card and loan approvals.

Payment history included

Get credit and report up to 24 months of history for a head start.

Major impact

A higher credit score may lead to savings in other areas.

Saving money on interest

A small difference in interest rates can save you thousands over the life of the loan.

10% off new subscriptions

Receive this when you sign up with eCredable today.

eCredable LiftLocker

For even more credit connection, upgrade to eCredable LiftLocker, a powerful digital financial assistant with a comprehensive suite of tools for credit building, goal setting, budgeting, cash flow analysis and financial education.

Build credit and financial smarts

Create Credit Impact That Lasts

Securely link your accounts

Link your bank account or the card you use for bills to eCredable. Your information is always kept secure and private.

Choose your payments

We’ll find any eligible rent, cell phone and utility payments. Select which account you’d like to use, and we’ll report up to 24 months of history.

Build Credit

Your payments are reported automatically to TransUnion monthly, building your credit steadily.

Enjoy 10% off when you sign up today.

No matter your starting point, eCredable Lift acts as your budget defender, turning everyday spending into long-term credit gains and insurance savings.

Unlock The Credit You Deserve

More than a tool for loans

eCredable Lift turns everyday bills into credit-building power.

Insurance savings

Insurance savings are one of the most overlooked benefits of good credit. Many insurers use credit-based scores to assess risk, which means a low score can lead to higher rates.

Credit Building

By reporting your rent, utility and phone payments through eCredable Lift, and building your personal credit with TransUnion, you could unlock more affordable premiums and keep your costs in check.

Average Annual Commercial AutoInsurance Premium By Credit Score Tier

Sources: Compiled from data by Progressive Commercial, Insureon and CoverWallet (2023–2024). Based on 1–3 vehicle commercial policies for small businesses in non-high-risk industries.

Average Annual Insurance Savings by Credit Score Tier

Sources: Data from The Zebra, NerdWallet and Insurance.com (2023–2024). Actual premiums vary by state, insurer, claims history and other factors.

Average Annual Homeowners InsurancePremium by Credit Score

Sources: These figures are national averages and may vary significantly based on your location, home value, claims history and insurer. Data compiled from sources, including The Zebra, Policygenius and NerdWallet (2023–2024).