WHO WE ARE

Our team of credit industry insiders has more than 125 years of combined experience.

The credit reporting system has undergone significant change in recent years. The transition from paper to electronic reporting, the advent of credit scores, and finally the consolidation of thousands of credit bureaus into the “Big 3” in the 1980’s. The addition of so-called “alternative data” has expanded the ability to use more sophisticated methods to provide even more credit scores, but there are still a lot of people who have no choice but to use non-traditional and often expensive financial services which inhibits their ability to improve their financial lives. Estimates run as high as 100 million consumers who could benefit from improved credit profiles. eCredable's credit building services are a valuable tool for improving credit profiles, and we are here to help. eCredable provides a variety of tools to improve the way you build credit, including:

• Tools that empower you to report rent and utility payments to help you get the credit you deserve
• Credit report and score updated monthly
• Unbiased review of financial products like credit cards, personal loans, student loans and more
• A clear plan to guide you on ways to improve your credit score
• Matching credit card and personal loan offers to your current credit
• Budgeting tools to help you manage today and plan for tomorrow

WHAT WE DO

Our technology fundamentally changes the way people start building credit.

We have developed the capability to furnish “alternative data” - data that is not typically found in credit files - to participating credit bureaus on behalf of the consumer. The industry refers to this information by many different names including “User Permissioned Data,” “Consumer-permissioned Data” or “Consumer contributed Data.” Our credit building services empower consumers to furnish account histories for rent and utility accounts to participating credit bureaus to build stronger financial profiles which typically results in better credit scores. There are two primary methods by which we provide our credit building services.

• First, we provide our credit building services directly to the end user via eCredable.com for consumers. To support this direct model, we leverage Affiliate Marketing Partners who refer their customers to our website to take advantage of our products and services.


• Second, we enable companies which have the technical capability to leverage our technology and deliver our credit building services to their customers embedded within their own user experience. In this embeded finance solution we manage all the data aggregation, formatting and furnishing processes complying with industry standards and the various government and industry regulations.

OUR VISION FOR POSITIVE CHANGE

Our partnership with more than 25 community organizations allows us to reach more than 15 million people. We’re just getting started!

Financial Inclusion requires help from everyone, starting with neighborhood grassroots efforts that are supported by the largest organizations in the country. The gap is the widest with people of color, so we have partnered with non-profits that are committed to systemic change to improve financial literacy, homeownership, and entrepreneurship.