Want to buy a home and don’t have a credit score?
Maybe you never had a credit score, because you never had a credit card or personal loan. Or maybe you paid off all your debts, and no longer have a credit score. eCredable uses everyday bills you’re already paying to create a credit score you can use to qualify for a mortgage.
Build a Credit File with everyday bills.
eCredable empowers you to take control of building an eCredable® Credit File. Enroll in AMP Connect™ to link your eligible Service Provider accounts to your eCredable Profile online profile.
After you link your accounts, we’ll automatically download all your payment history that’s available online, AND we will update your monthly payments to build your eCredable Credit File as long as your account is enrolled in AMP Connect.
Know when you're ready to apply!
Your AMP Credit Score is the key to unlocking the value of your eCredable Credit File. You may already have enough payment history to earn the AMP Credit Score necessary to apply for credit.
Start building your FICO® Score.
The banks and lenders we work with report your monthly payments once you qualify for a credit card or loan to at least one of the major credit bureaus - Experian, Equifax and TransUnion. This is essential to building a credit history which allows you to have a FICO® Score – the score that 90% of top lenders use.
* eCredable does not have linking connections for all of the listed Service Provider types at this time. We are adding more linking connections all the time, so you’ll need to check back and see if your Service Provider type 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.