eCredable

Credit scores are based on information in the underlying credit file. No information means no score. No score means no sale when applying for credit. eCredable is changing that. The age of “user permissioned data” is here, and eCredable is empowering the consumer or small business owner with the ability to add information to their credit files.

For consumers, we work directly with the consumer who opts-in to share their online account payment histories for rent, cell phone, and utility accounts. This information is not typically reported to credit files and has proven to be predictive for risk - especially when no other information about the consumer’s payment history is available. We create FCRA compliant tradelines suitable for consumption by consumer credit bureaus and lenders.

For small business owners, we work directly with the owner who opts-in to share eligible business accounts which include phone, internet, utilities, vendor invoices, supplier invoices, and business credit cards. Each credit bureau has their own set of guidelines regarding which accounts they will accept. D&B, Equifax, and Experian all accept our user’s monthly Subscription for eCredable Business Lift.

We are part of The Anchor Group which provides a business ecosystem that serves solopreneurs and SMBs.