How does eCredable LiftLocker Work?

What is  LiftLockerTM and how does it work?

LiftLocker is your digital assistant that guides you on a lifelong journey of leveraging your credit to qualify for the best offers possible. This guided journey includes credit building, credit monitoring, goal setting, budget management, cash flow analysis, financial education, and a comprehensive set of tools to prepare you for credit journeys as complex as buying a home.

Easily connect all your utility, bank, credit card and investment accounts in one app to manage every facet of your financial life in one place.

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Important Information:

*Results may vary. Some may not see improved FICO Score 8 or VantageScore 3.0. Certain accounts or account information could have a negative impact. In order to maintain the quality of the credit reporting system, eCredable reports both positive and negative payment status information. If a payment were made 30 days or more past the due date, that payment would be reported as late. Not all lenders use TransUnion credit reports impacted by eCredable Lift and FICO Score 8 or Vantage Score 3.0.  Learn more

†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.

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Raise your FICO Score 8 and VantageScore 3.0.

1. Link your utility accounts

eCredable LiftLocker lets you do things you couldn’t do before by giving you the control to choose which utility accounts you want reported on your TransUnion® credit report so you may raise your FICO® Score 8 and VantageScore® 3.0 overnight. There’s never been a faster way to build credit.

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I just started building credit >

I’m in the process of rebuilding my credit >

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2. Link your TransUnion credit report and score.

Get a monthly TransUnion credit report and VantageScore®. Receive alerts when there are any changes to your credit report.

TransUnion CreditCompass™ - shows you the way to the score you’d like to achieve. Based on the real credit experiences of millions just like you, CreditCompass recommends steps you can take over time to reach your credit goals and lets you track your progress at a glance.

VantageScore® 3.0 Simulator - take the guesswork out of credit score changes. See how your own VantageScore 3.0 would change based on a variety of different future actions or events--including the impact of reporting utility accounts on your credit score.

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All your money in one app.

3. Link your financial accounts.

It’s hard to manage your financial life when your accounts are scattered all over the place. Bring everything into focus by linking your utility accounts, bank account, savings, credit card, investment and insurance accounts into one place.

Save smarter with personalized budgets--always know how much you have to spend. Set your spending limits and we’ll keep track of the numbers for you. Plus, get notified before overspending. Create unlimited categories to track what matters to you.

Focus on your financial goals--improve your spending habits with custom goals that keep you going. Save for a home, crush debt, and prepare for the future. Stay on top of your finances by seeing where your money comes and goes.

Financial products for every step of your journey.

4. Customize your personal credit journey.

The fastest way to achieve your goals is to use customizable credit journeys to learn the best financial behaviors that impact one of the most important parts of your financial life–your credit score.

Credit and Loans - make it easy to compare and apply online for all types of credit cards, personal loans and student loans. Match your credit profile with financial offers that you are more likely to qualify for.

Home Buying Journey - our home buying journey lays out the steps to simplify the process, and makes it easy to include your real estate agent and mortgage broker along the way.

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Ready to get started?

Whether you’re just looking to raise your credit scores or want to begin the home buying process, eCredable has powerful tools to help your start reaching your goals.

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eCredable Lift is the fastest way you may raise your FICO Score 8 and VantageScore 3.0 credit scores from TransUnion.

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eCredable LiftLocker helps you build, monitor and leverage your credit score to support every aspect of your financial life.

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