HomeLoanE-Credible: The Ultimate Credit Building Tool Review

E-Credible: The Ultimate Credit Building Tool Review

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Introduction: eCredible Review

E-Credible: In today’s ever-changing financial landscape, maintaining a solid credit profile has never been more important. As we navigate through economic ups and downs, having a strong credit foundation is a key element for success.

But what if there was a service that not only simplifies the credit-building process but also supercharges it? In this blog post, we’ll delve into the world of E-Credible, a groundbreaking platform that can transform your personal and business credit scores.

Also Read: 4 Actions to Pay Off Student Loans Faster (2022)

Meet Kelvin, Your Guide to Financial Wellness

Before we dive into the details of E-Credible, let’s meet Kelvin, our expert guide through the intricacies of credit. Kelvin is a licensed mortgage loan originator with extensive experience in the real estate and financial industries. He understands the importance of credit better than most and is here to help you uncover the power of E-Credible.

Understanding the Economic Landscape

As Kelvin aptly points out, we’ve entered a new era of economic change. In 2022, the U.S. officially entered a recession. While the word ‘recession’ may evoke concerns, Kelvin sees it as an opportunity. Historically, recessions have paved the way for one of the largest wealth transfers in history.

Also Read: Free Ways To Get An 800 Credit Score

Kelvin believes that, irrespective of what the Federal Reserve says about interest rates and inflation, there’s a real chance for interest rates to decrease. This decrease presents opportunities for better loan deals and investment prospects. To seize these opportunities, a strong credit profile is crucial.

The Role of Good Credit

Kelvin emphasizes the importance of good credit in capitalizing on the recession. As the owner of a credit restoration business, a mortgage writer for a leading lender, and a coach for small business owners seeking capital, Kelvin is well-versed in the intricacies of credit.

He underlines that this blog post isn’t clickbait; it’s a genuine guide to building and leveraging both personal and business credit on a single platform: E-Credible.

Exploring E-Credible

A former president of Equifax leads E-Credible, and the technology has been helping consumers and small businesses boost their credit profiles since 2009. It’s a valuable resource for both personal and business credit. Now, let’s explore how E-Credible works.

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Personal Credit Building with E-Credible

For personal credit, E-Credible allows you to link up to eight different types of utility bills, including power, water, gas, mobile phone, landline, cable/satellite TV, and internet.

Also Read: 6 Steps To Live Debt Free Journey

E-Credible downloads up to 24 months of positive payment history from these accounts and reports it to your credit profile. This adds a valuable dimension to your credit history, especially if you have a thin credit profile or need to offset late payments.

The Truth About Utility Bills

Kelvin debunks the misconception that adding utility bills negatively affects your debt-to-income ratio (DTI). As a licensed mortgage loan originator, he asserts that underwriters easily distinguish self-reported utility bills from real debt like credit card payments or loans. Utility bills are labeled as “self-reported utility bills” and are excluded from the DTI calculation.

Business Credit Building with E-Credible

For business owners, E-Credible offers an even more powerful tool: E-Credible Business Lift. This service can take a business from having no business credit score to establishing trade lines with major credit bureaus, including Dun & Bradstreet, Equifax, Experian, Credit Safe, and Onsonia.

Automatic & Manual Verification

E-Credible provides two ways to add accounts to your profile. The automatic verification process allows you to search for the names of services and connect accounts.

Also Read: Biden’s Student Loans Forgiveness Program Explained (2022)

On the other hand, manual verification, available for an additional fee, is ideal for accounts not found in the search and for services not typically reported. This manual process may take one to five business days but can yield immediate positive results.

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Value & Affordability

Kelvin emphasizes the value and affordability of E-Credible. The cost of the E-Credible Lift is a mere $24.95 per year, while the E-Credible Lift Locker is available for just $9.95 per month. The business side of E-Credible is equally impressive and cost-effective.


E-Credible is a game-changer in the world of personal and business credit building. Whether you’re an individual looking to boost your credit score or a business owner seeking to establish trade lines, E-Credible offers a powerful and affordable solution.

Don’t miss the opportunity to leverage this tool, especially in a changing economic landscape. Also Read: Best 5 Steps To Build Wealth in 2022

Final Thoughts

Kelvin’s expertise and insights make E-Credible a compelling solution for anyone looking to take control of their credit future. As the economic winds shift, it’s clear that E-Credible can help you navigate and thrive in any financial climate. So, are you ready to make E-Credible a part of your credit-building journey?

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