Choose your plan.
eCredable is a new kind of credit bureau where you can build a credit file based on rent, utilities, mobile phone, cable TV, insurance and many other kinds of recurring bills. The AMP Credit Score® is used by banks and lenders in eCredable’s Marketplace.
| AMP Connect® Basic |
AMP Connect® Plus |
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Best Value
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No Annual Fee
No Credit Card Required to Sign Up
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$19.95 per year
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I Want The BASIC Plan
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I Want The PLUS Plan
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| N/A |
Account Linking 1
Link up to 8 eligible online accounts 4 - Mobile Phone, Cable TV, Satellite TV, Landline Phone, Internet Services, Electricity, Water and Gas.
Requires online account access from utility company.
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| N/A |
Automatic Payment History Update
Download the maximum amount of payment history your service provider makes available online – up to 24 months.
Number of months varies by the utility company.
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| N/A |
Automatic Monthly Update 2
Automatically update your monthly payments for Linked Accounts to your eCredable Credit File.
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Manual Account Update Required
Available for accounts that cannot be linked, or if your utility company provides less than 24 months of account history online.
$19.95 for each account you want manually updated.
Learn How You Can Save
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Manual Account Update Optional
$19.95 for each account you want manually updated.
Learn How You Can Save |
| N/A |
Unlimited AMP Credit Reports 3
Based on the automatic and manually updated payment history in your eCredable Credit File. |
| N/A |
Monthly AMP Credit Score Updates 3
Based on the automatic and manually updated payment history in your eCredable Credit File. |
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I Want The BASIC Plan
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I Want The PLUS Plan
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Which plan is right for you?
| AMP Connect® Basic |
AMP Connect® Plus |
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Are you ready to apply for an offer right away, and need your accounts manually verified?
Here’s an example of what you might expect to pay to build your AMP Credit Report which includes your AMP Credit Score:
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Do you have more time to build your eCredable Credit File, so you can apply for an offer in the future?
When you link accounts, we may not be able to download enough payment history from your Utility Company to have a meaningful impact on your AMP Credit Score. Since your payment history is automatically updated every month going forward, you’ll eventually have enough history to avoid the need to pay to have your account manually verified. Here’s an example of what you might expect to pay to build your AMP Credit Report which includes your AMP Credit Score.
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I Want The BASIC Plan
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I Want The PLUS Plan
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This chart is for illustration purposes only. Your cost may vary.
Each plan includes all of these features at no extra cost.
AMP Score Watch®
AMP Credit Score® Estimator
Bill Payment Email Alerts
Budgeting Tool
Access to the eCredable Marketplace
Expert Credit Tips and Advice
1 Account Linking
eCredable reserves the right to determine which utility company accounts are eligible for linking with your eCredable credit file we compile and maintain. Certain accounts may not meet reporting requirements and not all accounts may be linkable. Only those accounts that are eligible to be linked can be maintained as Linked Accounts. Eligible utility company account types typically include Mobile Phone, Cable TV, Satellite TV, Internet Services, Landline Phone, Electricity, Water and Gas accounts for which you are the responsible party for payment. “Bundles” are treated differently by different providers. If the bundle contains multiple services (e.g. cable/satellite, internet or landline combined on one bill), and each service has a separate account number, we will treat each account number as a separate account in your credit file. If your utility company treats all the services in your bundle as one account with one account number used for payment, then you will only have one account for the bundle in your eCredable credit file.
2 Automatic Monthly Update
Ongoing automatic monthly updating of Linked Accounts requires that you have online access to your utility company, and that you opt-in to share your user ID and password with eCredable to create the link between your utility company’s online accounts and your eCredable profile. If your service provider does not have online access, or you do not have an online account setup with your utility company, eCredable cannot link your account and automatically update your monthly payment history.
3 Unlimited AMP Credit Report and Monthly AMP Credit Score Updates
Your AMP Credit Report and AMP Credit Score is based on the accounts contained in your eCredable credit file. You can create a new AMP Credit Report and AMP Credit Score as often as you like, but the report and score will only change when there have been automatic updates or manual updates to your eCredable credit file since the last time you created your AMP Credit Report. Your AMP Credit Score is compiled using only accounts that have been automatically or manually updated within the prior 45 days from the date you create your AMP Credit Report. Manually updated accounts older than 45 days from the date you create your AMP Credit Report, and accounts that are not linked or have not been manually updated, can be included in your AMP Credit Report, but will not affect your AMP Credit Score.
4 Account Types
eCredable is not able to link to all U.S. Utility Companies at this time. We are adding more Utility Companies all the time, so you’ll need to check back and see if your Utility Company is available. You have the option to manually update the account if you want to include it in your AMP Credit Report, at a cost of $19.95 per account you have manually verified. You should not pay to have your account manually verified until you are ready to use your AMP Credit Report and AMP Credit Score. Creditors typically will not accept information that was verified more than 45 days ago.