What We Do
eCredable is a Credit Reporting Agency operating under the auspices of the Fair Credit Reporting Act (FCRA) and the Fair and Accurate Credit Reporting Act (FACTA), just like the national credit bureaus. We take security and privacy very seriously, and have invested heavily in making sure your information is safe with us. We’ve also developed processes that ensure your information is shared ONLY with the people YOU authorize to see it.
Almost 25% of the adult population has no credit history
We founded eCredable to fill a large (and growing) gap in the marketplace. Almost 25% of the adult population in the U.S. (estimated 65,000,000 Americans) has no credit history, which means they have no way of demonstrating their creditworthiness. But everybody has bills they pay every month, which can demonstrate they are creditworthy. Why not take these monthly bills, and create a credit report that proves you’re a good credit risk? We’re a bridge that can help you cross over this chasm and get the credit you deserve!
Have you been living "off the credit grid"?
Are you living “debt free”, and getting penalized because you don’t have a credit score? We can help. Do you want to buy a home and can’t prove you’re a good credit risk? We can help. We know what creditors are looking for when evaluating your creditworthiness. We’ve built a completely secure web-based service that allows YOU to take control of your information, have it verified, rated, and present it to any creditor that wants to check you out. Within the Equal Credit Opportunity Act (ECOA) is a relatively overlooked provision that outlines your right to present this information. You can use this to your advantage, by building an AMP Credit Report using all the payments you’ve been making each month, and prove to any creditor that you’re a creditworthy customer.