Reviews

This profile includes reviews for eCredable's headquarters and its corporate-owned locations. To view all corporate locations, see Find Local Branches.

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  eCredable

  PO Box 634 Alpharetta, GA 30009-0634

  
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  eCredable

  5755 N Point Pkwy Ste 77 Alpharetta, GA 30022-1146

  

Review Details

• Review fromDavid L

  Date: 12/28/2023

  1 star

  David L

  Date: 12/28/2023

  I cancelled my service a few months ago, and I havent been charged, so everything is fine on the billing side of things I think.However, eCredable accounts continue to appear (and continue to be updated monthly) on my TransUnion report. Since I cancelled, I would like all eCredable reported accounts to go away, like Experian when you cancel Experian Boost, or at least show as closed/good standing. Isnt thats whats supposed to happen?Basically I would just like to get my report back to being a pure report.Thanks!-I did just send essentially this same message through your support website, but it gave an error messages when I tried to send, so I came here instead.
  

  eCredable

  Date: 08/27/2024

  Hi *****,Thank you for sharing your feedback.Since you canceled your eCredable Lift subscription, the utility accounts were closed and in good standing on your TransUnion credit report, according to TransUnion's reporting requirements. Please let us know if you have any questions. eCredable Care eCredable Lift "Make Every Payment Count"

• Review fromNavahcia E

  Date: 11/16/2023

  1 star

  Navahcia E

  Date: 11/16/2023

  Definitely a scam. They locked me out of my account as soon as I paid the *****. Ive tried to contact them by email, chats, and phone its all a joke system. No real human. No matter what time you call they pretend they are receiving high call volume and prompt you to leave a message. I hate I signed up for this and got scammed
  

  eCredable

  Date: 11/17/2023

  Hi ********, You may be trying to log in or reset your password on the wrong side of the eCredable website by accident. We have two sides. One for personal credit, eCredable Lift. The other site is for business credit, eCredable Business Lift. To login to your eCredable Business Lift account, click here -- ************************************************* (your username is ******************* If you forgot your password, please use these steps to reset your password. 1.. Go to eCredable Business Password Reset, click here -- *************************************************/ctl/sendpassword?returnurl=%2f 2. Enter the email address you used to sign up at eCredable in the Username field on the Retrieve Password page.3. Click Send Reset Link4. Go to your inbox of the email address you provided and find the eCredable Support email 5. Follow the Support Email instructions to reset your password Please check your Spam or Junk Mail folders if you do not receive your password reset email. The forgot password email couldve been caught by spam. Look for an email from eCredable with the subject line eCredable Small Business Password Reminder. If you dont find the email in these folders, add ********************************** to your address book or safe senders list. Thank you for choosing eCredable Business Lift! eCredable Care eCredable Business Make Every Payment Count"

• Review fromWilliam R B

  Date: 08/28/2023

  1 star

  William R B

  Date: 08/28/2023

  Horrible company never return calls. Also , no one answered the phone. Was a recording that was bogus..
  

  eCredable

  Date: 11/17/2023

  Hi *******,eCredable Care has promptly answered all of the tickets that you have created. We offer 24/7 online support via *** (eCredable Virtual Assistant), tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, various topics related to credit, and much more. eCredable Care team members are genuine, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently: We can instantly view your profile, account activity, system details, and other information to effectively answer your questions. We frequently ask you to send us screenshots, videos, and links to help us see what you see. We can also send you screenshots and videos to guide you in the right direction. It's faster. We can quickly get to the bottom of your questions without putting you on hold. Security is our #1 priority. We can immediately verify your identity, and online support keeps detailed records in one place. This ensures nothing gets lost in translation if we need to escalate your issue. We'll always have access to previous tickets, so you won't have to repeat questions. If you need help, please use the following options. ***, eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site eCredable Care Ticket agents monitor tickets 24/7 and reply within 24 48 business hours. This can be found here **************************************************************************** eCredable Care LiveChat agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable eCredable **************** this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here -- *************************************************************** Please let us know if you have any questions or need further assistance. eCredable Care eCredable LiftLocker Make Every Payment Count

• Review fromJasmine F

  Date: 08/14/2023

  1 star

  Jasmine F

  Date: 08/14/2023

  I have been using this company for about 3 months now! Not one time have they reported the business lift account as a " NET 30 TRADE LINE " to D&B! Guess what instead they have been reporting my payment's only to D&B which is now deemed as a Net 30 Cash account. After speaking with a representative from D&B they told me that eCredable has been reporting reporting to them like so and that they can't report to them as a NET 30 account and Net 30 trade line at the same time. by the way I paid to have an account verified in my business name and it was successfully verified by my other vendor I use for a net 30 account because I was apart of the email chain. This was verified in June ask me if e"Credable" has reported this to D&B street since no! they just gave me back a refund for the inconvience of not reporting and continue to tell me " oh we are having issues this will be fixed soon yet its been 2 months. They decided to give me one month free subscription due to their continued negligence. so now the subscription I pay for every month is reporting wrong not as a trade line and now the verified accounts you pay for will not be reported to D&B as well. Apparently my issue has been escalated this month we are 14 days into August I have not been contacted yet. Their customer support system is terrible you can only speak to someone via online chat at certain hours absolutely no phone number and it is so confusing on how to successfully get a rep on the chat, and I ALWAYS GET THE SAME REP NAMED "Tevon" I DO NOT WANT TO SPEAK WITH THE SAME REP EVERY SECOND BECAUSE NOTHING IS GETTING DONE. This while company is a scam.
  

  eCredable

  Date: 08/27/2024

  Hi *******,Thank you for sharing your feedback.The terms "account" and "tradeline" are used interchangeably within the business credit reporting ecosystem. However, these two terms, "account" and "tradeline," on their own, do not influence business credit scores. However, the eCredable Business Lift subscription is paid every 30 days. Therefore, it is considered a NET-30. It is important to note that any company cannot decide to begin reporting to the major business credit bureaus with strict approval. eCredable underwent a strict approval process with D&B to report the eCredable Business Lift NET-30 subscription tradeline, in which they determined the account type and how it's reported to them. Most importantly, the major business credit bureaus would never permit eCredable to falsely advertise services that werent approved by each of the major business credit bureaus. To generate a business credit score with the major business credit bureaus, including D&B, you typically need a minimum of three payment experiences from 2 to 3 tradelines on your business credit files. When your eCredable Business Lift NET-30 subscription tradeline is reported to D&B, Experian, Equifax, and Creditsafe, it is listed on your business credit reports according to the respective business credit bureaus' reporting requirements. Each business credit bureau lists your eCredable Business Lift NET-30 subscription tradeline differently. Please let us know if you have any questions. eCredable Care eCredable Business Lift "Make Every Payment Count"

• Review fromToni R

  Date: 06/29/2023

  1 star

  Toni R

  Date: 06/29/2023

  I have been managing my credit on my own w/o eCredable. All of a sudden I receive a notification I have several new eCredable accounts open. I never signed up for the service. When I tried to call - NO LIVE CUSTOMER SERVICE available and no return calls once you leave a message. I need answers!!!!
  

  eCredable

  Date: 06/30/2023

  Hi ****,We offer 24/7 online support via *** (eCredable Virtual Assistant), tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. eCredable Care team members are genuine, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently: We can instantly view your profile, account activity, system details, and other information so we can effectively answer your questions. We frequently ask you to send us screenshots, videos, and links to help us see what youre seeing. We can also send you screenshots and videos to guide you in the right direction. It's faster. We can quickly get to the bottom of your questions without putting you on hold. Security is our #1 priority. We can immediately verify your identity and online support keeps detailed records in one place. This ensures nothing gets lost in translation if we need to escalate your issue. We'll always have access to previous tickets so you won't have to repeat questions. If you need help, please use the following options. ***, eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site eCredable Care Ticket agents monitor tickets 24/7 and reply within 24 48 business hours. This can be found here--******************************************************* eCredable Care LiveChat agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable eCredable **************** this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here--******************************************************* Please contact eCredable Care for immediate assistance regarding your concerns. eCredable Care eCredable Lift Make Every Payment Count
  

  eCredable

  Date: 07/05/2023

  Hi ****,Thank you for reaching out to eCredable regarding your concerns. We see that you're an IDIQ customer. IDIQ's credit building service is powered by eCredable. The accounts you see on your TransUnion credit report are the utility accounts you opted-in to link on IDIQ and reported on our Transunion credit report. In an effort to ensure this, you can confirm your utility accounts are listed on your TransUnion credit report in two ways. Contact TransUnion directly at **************, and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type.You can get a copy of your TransUnion credit report to confirm your accounts have been added to your TransUnion credit report as either an open utility or telecom account at AnnualCreditReport.com. This site is the major credit bureaus official website to fill orders for the free annual credit report you are entitled to under federal law. To get a free copy of your credit report from TransUnion - visit www.AnnualCreditReport.com. Please let us know if you have further questions or contact IDIQ to confirm this information. eCredable Care eCredable Lift "Make Every Payment Count"

• Review fromEric R

  Date: 03/18/2023

  1 star

  Eric R

  Date: 03/18/2023

  Terrible app- I added 3 accounts that have perfect payments and they showed up as hard inquiries on my TransUnion account- my score took a huge hit by 29 points! This is unacceptable.
  

  eCredable

  Date: 03/20/2023

  Thank you for providing your feedback and bringing this to our concerns. Regarding your concerns about a Hard Inquiry added to your TransUnion credit report - eCredable does not pull your credit and therefore will not trigger a hard or soft inquiry on your TransUnion credit reports. Most importantly, eCredable underwent a thorough approval process with TransUnion to become authorized to report utility accounts on consumer credit reports. TransUnion would never permit eCredable to falsely advertise services that werent approved. Furthermore, eCredable is a ************* Furnisher. We operate under the federal Fair Credit Reporting Act (****), the Fair And Accurate Credit Reporting Act (FACTA), Gramm ***** ****** Act (GLBA), and other state consumer protection laws. As a ************* Furnisher, the **** imposes specific duties on entities that furnish information to credit reporting agencies and establishes procedures for enforcing those duties. eCredable is periodically reviewed by governing entities and TransUnion to ensure we are in compliance. eCredable does not report Utility and Telecom accounts to TransUnion as a loan or debt. eCredable was approved by TransUnion to report Utility and Telecom accounts as an Open Account. TransUnion categorizes accounts on your credit report as one of five Account Types: 1.Mortgage (e.g., Home Loan)2.Revolving (e.g., Credit Card)3.Installment (e.g., Personal Loan)4.Line of Credit (e.g., Home Equity Line of Credit)5.Open (e.g., Utility Account or Telecommunications) eCredable only reports Open Accounts as either Utility or Telecommunication: 1.*******************, Water, Waste 2.Telecommunications Mobile Phone, ********************************* Landline Credit utilization rates are based solely on revolving credit essentially, your credit cards and lines of credit. Credit utilization rates do not include open utility and/or telecom accounts, installment loans, mortgages, or auto loans. The balance on your Spectrum account is NOT factored into your credit utilization. Regarding your concerns about your credit score impact. Hundreds of factors are considered in credit scores, and everyones credit situation is unique. Payment history makes up only 35% of your FICO Score 9 and 40% of your VantageScore 3.0. However, the overall length of credit history impacts 15 percent of your FICO Score and 20 percent of your VantageScore credit score. Unfortunately, there are few cases where people see a temporary negative impact on their credit scores by reporting utility accounts with less than 24 months of payment history which may lower your overall length of credit history. As stated very clearly on our website, eCredable Lift typically has the most benefit for people who do not have a credit report and score, are new to credit, or are rebuilding their credit. At eCredable, we strive to deliver the best experience possible to our customers. Therefore, your eCredable Lift subscription has been canceled effective immediately. We have issued you a full refund, and provided you with a one-time Goodwill account removal for your Spectrum account. Please let us know if you have any further questions or concerns. eCredable Care eCredable Lift Make Every Payment Count

• Review fromJohn P

  Date: 03/16/2023

  1 star

  John P

  Date: 03/16/2023

  I tried using this service for one month as I was told that it's similar to Experian boost. But that was very far from the truth. Experian boost allows you to add many different types of accounts. I think I added 5 or 6 there. There were only 2 accounts that ecredable would allow me to add, but each time I tried to add the account there was a system error. After several attempts to add my accounts without success, I tried to look for a customer service number to contact them in order to resolve the issue. However, their phone number isn't listed on the account page. There is only an option to send them a message which I decided to do. They never replied to my message and that's why I decided to cancel my service. This was before the month expired, but not only did they not reply to my message, they also charged me again for another month. So, I again sent a cancellation request but once again there was no confirmation that my account was cancelled and they charged me for yet another month. This is the reason I'm reporting them because this service appears to be a scam, where they purposely make it difficult for you to contact them so they can keep charging you until you finally locate their contact info on ******* I ended up having to replace my card so they couldn't charge me anymore. I strongly advise against using this service.
  

  eCredable

  Date: 03/17/2023

  Thank you for your feedback. We use this feedback to make eCredable better. At eCredable, we strive to deliver the best experience possible so were sorry you no longer want to use eCredable LiftLocker to raise your credit scores from TransUnion to qualify for better credit cards and loans--including the lowest interest rates and fees. eCredable would never tell you eCredable Lift is similar to Experian Boost. The significant difference between eCredable Lift and Experian Boost is that Lift reports your utility accounts as an Open Account vs. Boost reports your utility accounts as Self-Reported. This is because it is not possible for Experian to determine if a person paid their utility bills on time. Therefore, Experian can only report your utility accounts as Self-Reported and not paid-as-agreed. Major banks, credit card companies, and lenders are fully aware of this regarding Experian Boost. They may most likely decide to omit Self-Reported utility accounts from your credit report reported through Experian Boost to determine your eligibility to qualify for credit cards and loans. Another important difference to assess a utility account status as paid-as-agreed requires five pieces of critical account information: 1.Statement date 2.Amount due 3.Due date 4.Payment amount 5.Payment date You cannot get the above information from a bank or credit card account, and Experian can only see the Payment Amount and Payment Date. With eCredable Lift, were able to securely collect the critical account information from your online utility account so that eCredable can report your utility accounts as a paid-as-agreed Open Account to ensure your utility accounts are calculated in your FICO Score 9 and VantageScore 3.0. The utility accounts TransUnion accepts include power, water, gas, waste, mobile phones, cable TV, satellite TV, internet, and landline phone. Here are some differences between eCredable Lift and Experian Boost. 1.Lift connects to your online utility accounts to keep your financial information safe vs. Boost connects to your bank or credit card account 2.Lift reports 1 - 24 months of payment history on your TransUnion credit report vs. Boost, you need to have three consecutive utility payments in your checking or credit card account to be able to report a utility account on your Experian credit report 3.With Lift, you can pay your utility bills using any form of payment the utility company accepts vs. Boost, you must pay your utility bill from your bank or credit card account 4.Utility accounts reported using Lift are added to your TransUnion credit report as an Open Account vs. utility accounts reported using Boost are added to your Experian credit report as Self-Reported.5.Lift can determine if you pay your bills on time, vs. Boost cannot determine if you paid your bills on time. *****, credit card issuers, and lenders know this about Boost and have the ultimate decision not to use Self-Reported accounts to determine your eligibility to qualify for credit cards and loans. If you feel comfortable giving Experian complete access to your bank or credit card account, eCredable is not persuading you to stop using Experian Boost. However, since Experian Boost is free you are giving Experian unlimited access to your bank or credit card account, they may collect more than just your utility accounts.Weve reviewed the accounts you linked to eCredable, and the attention status you see on your dashboard was not due to a system error. We received a notification from one of your utility companies the username and password you entered on eCredable did not match their records. For the other, the One Time Passcode entered on eCredable was incorrect. The attention statuses were alerted to you and displayed on your dashboard.The security of your account information is our number one priority. Therefore, you are required by your utility company to provide the correct information on eCredable to authorize secure access to your online accounts on utility companies websites. eCredable provides many ways to contact us. We offer 24/7 online support via *** (eCredable Virtual Assistant), tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently: We can instantly view your profile, account activity, system details, and other information so we can effectively answer your questions.We frequently ask you to send us screenshots, videos, and links to help us see what youre seeing. We can also send you screenshots and videos to guide you in the right direction.It's faster. We can quickly get to the bottom of your questions without putting you on hold.Security is our #1 priority. We can immediately verify your identity and online support keeps detailed records in one place. This ensures nothing gets lost in translation if we need to escalate your issue. We'll always have access to previous tickets so you won't have to repeat questions. If you need assistance from an eCredable Care team member, please use the following options. 1.EVA, eCredable Virtual Assistant - She's available 24/7/365 by clicking the help bubble in the bottom right-hand corner of the site 2.eCredable Care Ticket agents monitor tickets 24/7 and reply within 24 48 business hours. This can be found here--******************************************************* 3.eCredable Care LiveChat agents are available on the site by clicking the help bubble in the bottom right-hand corner of the site Monday - Friday between 9 AM and 5 PM EST on eCredable 4.eCredable **************** this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here--******************************************************* We carefully checked our eCredable Care records. Unfortunately, we do have a record of you contacting eCredable Care for help regarding your utility accounts.eCredable takes your concerns very seriously. Most importantly, eCredable underwent a strict approval process with TransUnion to be authorized to report utility accounts on consumer credit reports. Therefore, TransUnion would never permit eCredable to falsely advertise services that werent approved. Furthermore, eCredable is a ************* Furnisher. We operate under the federal Fair Credit Reporting Act (****), the Fair and Accurate Credit Reporting Act (FACTA), Gramm ***** ****** Act (GLBA), and other state consumer protection laws. As a ************* Furnisher, the **** imposes specific duties on entities that furnish information to credit reporting agencies and establishes procedures for enforcing those duties. eCredable is periodically reviewed by governing entities and TransUnion to ensure we are in compliance.Were sorry to hear your experience with eCredable LiftLocker was not up to our extremely high standards, and most importantly yours. Your eCredable LiftLocker subscription has been canceled effective immediately at your request. Weve also issued a full refund in the spirit of ensuring every customer is satisfied with ********************** LiftLocker, and we apologize for any way we may have inconvenienced you.It is our intention to answer your question and address concerns regarding this critical matter. We hope to still be a part of your credit-building journey in the future.eCredable Care eCredable Lift Make Every Payment Count"

• Review fromSamuel C

  Date: 02/07/2023

  2 stars

  Samuel C

  Date: 02/07/2023

  Canceled over three months ago and they are still trying to charge my card. Thank goodness I used my virtual cc. LOCKED FOR GOOD!
  One Star - for quick onboarding
  One Star - for the reporting
  Why did I cancel? My business does not require ecredable as my business is past the initial stages.
  

   
  

  eCredable

  Date: 03/13/2023

  Thank you for reaching out to eCredable regarding your account. We're sorry to hear you were charged after you canceled your eCredable subscription. Unfortunately, we're unable to find an eCredable account under the email address you provided.

  
  

  We offer 24/7 online support via Eva *********************** Virtual Assistant), online tickets, LiveChat, and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. eCredable Care team members are real, friendly humans. We love answering questions, solving problems, and helping you on your lifelong credit-building journey. We use various technologies to provide support effectively and efficiently:
  
   
  
  We can instantly view your profile, account activity, system details, and other information so we can effectively answer your questions and quickly get to the bottom of your questions without putting you on hold.
  
  
  
  Security is our #1 priority. We can immediately verify your identity and online support keeps detailed records in one place. This ensures nothing gets lost in translation if we need to escalate your issue. We'll always have access to previous tickets so you won't have to repeat questions. 
  
  
  
  Please provide us with the mail address you used to sign up with so I can look into your concerns and issue a refund. 
  
   
  
  eCredable Care Ticket  agents monitor tickets 24/7 and reply within 24 48 business hours. This can be found here *******************************************************

  
  

  eCredable Care LiveChat  agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable

  
  

   
  
  eCredable Care
  
   
  
  eCredable Lift
  
  Make Every Payment Count