Proverbs Financial Coaching

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Quickly raise your credit score* with eCredable Lift®

 Get credit for rent, utility, cell phone and internet

 Report up to 24 months of payment history per account

 Qualify for better credit cards and personal loans - and save money!*

 Includes monthly credit score update (VantageScore 3.0)

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eCredable reports your payments to:

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Get credit for paying 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 may raise your VantageScore® 3.0 overnight. There’s never been a faster way to build credit.

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

In the examples below, see how reporting your utility accounts with eCredable Lift® could help raise your VantageScore 3.0

IMPORTANT INFORMATION:

*Results may vary. Credit scores calculated based on FICO® Score 8 or VantageScore® 3.0. Certain accounts or account information could have a negative impact. Your results may vary. Not all lenders use TransUnion credit reports impacted by eCredable Lift® and FICO Score 8 or VantageScore 3.0.

†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.

‡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.

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.

eCredable Lift® lets you do things you simply couldn't do before - report your utility payments to TransUnion!