Name: eCredable
Address: PO Box 634, Alpharetta, GA, 30009-0634, USA
Telephone: (888) 732-7337

Business Profile

Credit Reporting Agencies

eCredable

BBB Accredited Business A-Rated by BBB

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File a Complaint

Initial Complaint
01/30/2025
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
ChatGPT You said:Complaint letter to ecredable for not having a living representative. ChatGPT said:ChatGPT [Your Name][Your Address][City, State, ZIP Code][Your Email][Your Phone Number][Date]eCredable Customer Support [Company Address][City, State, ZIP Code]Subject: Complaint Regarding Lack of Live Customer Support To Whom It May Concern,I am writing to formally express my frustration regarding the lack of a live representative available to assist customers with inquiries and concerns. As a consumer, I expect to have access to real-time support when dealing with financial matters, and the absence of a live customer service option has made it extremely difficult to resolve my issue efficiently.Despite my attempts to contact eCredable through the available channels, I have been unable to speak with a representative who can address my concerns in a timely manner. Automated systems and email responses do not always provide adequate solutions, and this lack of accessibility has negatively impacted my experience with your service.I urge eCredable to prioritize customer service by offering a live representative option, whether via phone or online chat, to ensure customers receive the support they need. Please let me know how I can escalate my concerns to receive a prompt resolution.I appreciate your immediate attention to this matter and look forward to your response.Sincerely,
Business response
01/31/2025
Hi *****,

Thank you for reaching out and sharing your concerns with us. We truly value your feedback and understand the frustration that can arise when immediate assistance is needed.
At eCredable, we are committed to providing efficient and accessible support for all our customers. While we currently focus on digital customer service channels, this decision is based on industry research showing that a significant majority of customers prefer digital tools for their speed, convenience, and 24/7 availability.

Here are the ways we aim to ensure you always have access to the help you need:
24/7 Availability: Our digital support channels, including the eCredable Virtual Assistant (EVA)--********************************************
24/7 ******************************* is available around the clock--***************************************************************
Quick, Accurate Assistance: These tools enable us to deliver instant responses, step-by-step guidance, and fast resolutions.
Clear Communication: Written interactions create a record for both you and us, ensuring clarity and accountability throughout the process.

For customers who prefer live assistance, we offer the following options:
LiveChat: Available Monday through Friday, 9 AM5 PM EST. You can access this by clicking the help bubble on our website and requesting a transfer to an agent.
eCredable Care Ticket System: Submit a ticket through our website, and our agents will respond within 2448 business hours--***************************************************************/requests/new
Toll-Free Number *************): This provides automated guidance on connecting with the right team member.

After thoroughly reviewing our eCredable Care support records, we could not locate any prior contact attempts from your account. To provide full transparency, weve included a screenshot of our search results for your review.
We are committed to resolving any concerns you may have and ensuring your satisfaction with our services. Please let us know how we can further assist you, and well ensure your needs are promptly addressed.
Thank you for giving us the opportunity to clarify and improve your experience with eCredable.
Best regards,
eCredable Care
eCredable Business Lift
Make Every Payment Count
Initial Complaint
11/11/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This business is a scam. I have tried multiple times to login to my account which for some reason the login credentials that I used to create the account no longer works. Ive requested multiple times to have a password reset link sent but it never comes. Apparently theres only one employee for the company that responds to inquiries ****** S which he screenshots the login and password reset screen. Multiple people have came to the BBB with the same complaint of being scammed, trying to cancel or have cancelled and still being charged and nothing is being done to this fraudulent company.
Business response
11/12/2024
Hi Jasmine,

For a company to be BBB accredited, it must meet all the requirements set by the Better Business Bureau, which ensures high standards for trustworthiness and ethical practices. Therefore, a company cannot be considered a "scam" if it has achieved and maintained BBB accreditation. eCredable has been an accredited BBB Company since May 2012 with an A Rating from the BBB. Therefore, eCredable has been evaluated and approved by the BBB, thereby meeting the BBBs Requirements for BBB Accreditation and Code of Advertising. To receive this accreditation, eCredable must adhere to the BBB's strict criteria, which include the following standards:

be in business for six months or more;
must have all the required licensing and bonding for our area;
have resolved any BBB customer complaints;
have no governmental ethics violations;
follow all advertising laws and BBB advertising best practices;
follow through on all contracts and promises made in business practice and advertising;
the website provides and follows a privacy policy and uses secure financial transactions (if applicable)

You can review and confirm the BBB Eligibility Requirements for BBB Accreditation and Code of Advertising at the BBB.

BBB Eligibility Requirements for BBB Accreditation click here *************************************************************

BBB Code of Advertising click here **********************************************************

eCredable has an "A" rating from the BBB click here ******************************************************************************************************************************

Here are some articles about eCredable Lift by credit or financial experts on major media outlets and reputable websites:?

Nav - ******************************************************************************************
CNBC - **********************************************************************************************************
CNBC Select - ****************************************************************************
CNBC Select - ****************************************************************************
CNBC Make it - ********************************************************************************
CNBC - *****************************************************************************************************
The Week - ***********************************************************************
VantageScore - ***************************************************************
NerdWallet - ************************************************************************
Consumer Reports - *********************************************************************************************************
Consumer Reports - **********************************************************************************************
Bankrate - ****************************************************************************
*************** - ********************************************************************

This is in an effort to address your concerns about eCredable's position on this matter.

Subscription Cancellation
Thank you for confirming your email address. The email address you used to sign up for eCredable Business Lift on 10/20/2023 was ************************** To ensure full transparency, I've included a screenshot of our system for your review, with your personally identifiable information redacted for security purposes. Our records indicate that you logged into your eCredable Business Lift account and canceled your subscription on 10/31/2024, following its auto-renewal on 10/20/2024. Now that you've canceled, your eCredable Business Lift subscription will no longer auto-renew, and no further charges will be applied for the service.

Refund Request
Unfortunately, since you've initiated a dispute with **************** regarding this charge, eCredable is no longer able to process a refund. We will work with **************** to resolve the matter through their dispute process.

Should you have any further questions, please contact eCredable Care.

eCredable Care

eCredable Business Lift
"Make Every Payment Count"
Initial Complaint
09/30/2024
Complaint Type:
Delivery Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
There is no customer service There is no live person to speak with
Business response
10/08/2024
Hi Miata,

eCredable Care offers 24/7 online support via Eva (eCredable Virtual Assistant), tickets, LiveChat, Toll-free Number and an interactive help center where you can find FAQs, how-to guides, videos, a variety of topics related to credit, and much more. 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 you’re 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--https://ecredablebusinesscare.zendesk.com/hc/en-us/requests/new

3. eCredable Care LiveChat – agents are available on the site Monday - Friday between 9 AM and 5 PM EST on eCredable by clicking the help bubble in the bottom right-hand corner of the site

4. eCredable Care Phone – (888) 732-7337
5. eCredable Care Help Center – this is available 24/7/365. You can find FAQs, how-to-videos, a variety of topics related to credit, and more here--https://ecredablebusinesscare.zendesk.com/hc/en-us

We're here to help! To further review your refund request, please contact our eCredable Care team so we can explore all available options together. You can reach us through all the available support options at your convenience.
We look forward to assisting you and ensuring we find the best solution!

eCredable Lift
"Make Every Payment Count"
Initial Complaint
08/22/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
It is a scam the site charged me twice and there are no agents even though the option to chat with a live agent is offered. The dashboard is literally my info and now I am scared cause it has my social and birthdate. Please help me so I dont end up getting hacked.
Business response
08/22/2024
Hi *****,

Thank you for contacting eCredable through the BBB regarding your concerns.

eCredable underwent a strict approval process with TransUnion to authorize utility accounts to be reported 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.

It's not possible for a company to be a "scam" and an Accredited Better Business Bureau company. In order for eCredable to become a BBB accredited company, we must meet all the BBBs Requirements for BBB Accreditation. The BBBs criteria for accreditations are as follows. eCredable must:

be in business for six months or more;
must have all the required licensing and bonding for your area;
have resolved any BBB customer complaints;
have no governmental ethics violations;
follow all advertising laws and BBB advertising best practices;
follow through on all contracts and promises made in business practice and advertising;
the website provides and follows a privacy policy and uses secure financial transactions (if applicable)

You can review and confirm the BBB Eligibility Requirements for BBB Accreditation and Code of Advertising at the BBB.

BBB Eligibility Requirements for BBB Accreditation click here *************************************************************

BBB Code of Advertising click here **********************************************************

eCredable has an "A" rating from the BBB click here ******************************************************************************************************************************

eCredable has been an accredited BBB Company since May 2012 with an A Rating from the BBB. Therefore, eCredable has been evaluated and approved by the BBB, thereby meeting the BBBs Requirements for BBB Accreditation and Code of Advertising.

Here are some articles about eCredable Lift by credit or financial experts on major media outlets and reputable websites:?

CNBC - **********************************************************************************************************
CNBC Select - ****************************************************************************
CNBC Select - ****************************************************************************
CNBC Make it - ********************************************************************************
CNBC - *****************************************************************************************************
The Week - ***********************************************************************
VantageScore - ***************************************************************
NerdWallet - ************************************************************************
Consumer Reports - *********************************************************************************************************
Consumer Reports - **********************************************************************************************
Bankrate - ****************************************************************************
Creditcards.com - ********************************************************************

This is in an effort to address your concerns about eCredable's position on this matter.

Our investigation confirms that you were immediately issued a refund for the duplicate subscription that was accidentally created during the signup process. The duplicate subscription, along with the $9.95 fee, was processed on August 21, 2024, at 3:48 PM EST. The $9.95 was reversed to your account ending in 7793. You won't see a credit on your account because the original authorization will simply disappear after a few days. There will be no payment or refund, and it will seem as if the transaction never occurred. Your bank can confirm this for you. Depending on your card issuer, the original charge should be removed from your pending charges by August 28, 2024.

Regarding LiveChat, our records show that you entered the LiveChat queue and were awaiting an eCredable Care agent. However, you ended the chat within a minute. We attempted to restart the chat while you were still on the website, but unfortunately, you did not accept the invitation. A ticket was then created immediately, and an eCredable Care agent responded to you yesterday at 03:50 PM EST.

At your request, we have now canceled your eCredable Lift subscription and issued a full refund of $9.95. Please allow 2-3 business days from the initiation date for the funds to appear in your account. Occasionally, refunds may take longer depending on when the funds clear your bank.

If you have any further questions, please don't hesitate to contact eCredable Care.

eCredable Care
eCredable Lift
"Make Every Payment Count"
Customer response
08/23/2024

Complaint: 22175880

I am rejecting this response because:
Thank you my main concern is having entered sensitive information as well as form of a payment.

Sincerely,

***************************
Business response
08/23/2024
Hi Sadia,

Your eCredable profile has been deactivated. Regarding your request to delete your records, eCredable operates under federal laws and regulations of the Federal Fair Credit Reporting Act (****), the Fair and Accurate Credit Reporting Act (FACTA), and the Gramm ***** ****** Act (GLBA). The **** imposes specific duties on entities that furnish information to credit reporting agencies and establishes procedures for enforcing those duties. The **** also expressly preempts the laws of any state that create requirements "relating to the responsibilities of persons who furnish information to consumer reporting agencies." As a ************* Furnisher, eCredable is obligated under federal law to retain certain consumer information to maintain compliance with the **** and the Equal Credit Opportunity Act (ECOA). Any data that cannot be deleted is securely stored and cannot be accessed by third parties except as required by law.
Additionally, the payment method you used during signup has been removed from our system and is no longer attached to your eCredable Lift subscription.
Please notify eCredable should you have any additional questions or concerns pertaining to this matter.

eCredable Care

eCredable Lift
"Make Every Payment Count
Customer response
08/23/2024

Complaint: 22175880

I am rejecting this response because:
I deleted my payment information, not the business. Also I was charged twice and refunded for one charge. However I did pay for a service the so called lift the site promises didnt apply to my transunion credit report. Which is the reason I got caught in this mess trying to give my credit a boost because my lease ended and credit is low. The site offers no way to speak to someone or even get past personal information and payment requirement. The page goes nowhere after the payment was made the page did nothing. So what it is this so called business providing. An Reddit shows that multiple people have been duped by this so called site. thank you

Sincerely,

***************************
Initial Complaint
04/17/2024
Complaint Type:
Service or Repair Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I have been paying for a subscription that I no longer need and have tried canceling it myself via the instructions that ecredable provides but if you follow the steps there is no option to actually cancel your subscription. I have called but its a fake number that automatically hangs up after sketchy promo and have emailed but hes providing me links that do not work and the same steps thats provided in the faq that also do not work. After reading others reviews on BBB I fear they are going to retaliate and report false information to the bureaus of this complaint but Im literally out of options to get my subscription cancelled
Business response
04/18/2024
Dear **********************,
Thank you for contacting eCredable through the BBB, where eCredable has been an accredited company for 12 years and has maintained an A RATING from the BBB. We have carefully looked into your concerns.
Our findings show that you canceled your eCredable Business Lift subscription and submitted a reason for cancellation on 3/20/24. You also took advantage of the Free Month offer at the time of cancellation, which grants you access to your eCredable Business Lift account until 6/16/24.Furthermore, eCredable did not charge your card after your subscription was canceled. For your review, we have attached detailed records and logs of the actions you took in your eCredable profile to cancel your subscription.
Upon further review of your conversations with eCredable Care, our team promptly responded to your inquiries. It confirmed your subscription was successfully canceled as per your request on the date mentioned above. Consequently, there is no active subscription remaining on your eCredable Business Lift profile that can be canceled. An eCredable Care agent provided you with this information several times. Should you require a copy of your transcripts for your records or to submit them to the BBB, please inform us.
Regarding your concerns about reaching eCredable by phone, please note that our toll-free customer service number has been nationally registered for over 15 years.Throughout this period, no promotional offers have been linked to our customer service line. You may verify this information by calling *************.
It is essential to note that eCredable has undergone a rigorous approval process with each of the business credit bureaus--D&B,Experian, Equifax, and Creditsafe.This authorization ensures we are approved to report tradelines on business credit reports. Therefore, the business credit bureaus would never permit eCredable to falsely advertise services that each business credit bureau does not approve. eCredable is periodically reviewed by the major business credit bureaus to ensure we are in compliance. Transparency is crucial to us, and we are committed to being completely open about our products and services.
eCredable adheres to the comprehensive reporting standards and guidelines mandated by the major business credit bureaus and is obligated to report accurate information. Since you have canceled your eCredable Business Lift subscription, the business tradelines reported on your behalf will be closed in good standing on your business credit reports in accordance with participating business credit bureaus reporting requirements and guidelines.

Since ************************** subscription was canceled upon his request, eCredable cannot take any further action to accommodate his demands. We request that the BBB investigate ************************** frivolous claims in this case and consider this complaint without merit.
Should you have any further questions or concerns, please contact eCredable.
Best regards,
eCredable Care
eCredable Business Lift
"Make Every Payment Count"
Initial Complaint
02/02/2024
Complaint Type:
Billing Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
This company has an account open under MY NAME on my credit report. This company is listed as a Utility Provider for DTE Energies, however, as you can see on the images I shared it says this account hasn't had a payment made in over 9 months, which if it's DTE then that is untrue, because I pay my DTE directly on their website EVERY MONTH. This company is fraudulant and is lowering my credit score when I dont even know who they are or what services they provide. I have called the number listed for this company at least 15 times and left several messages and no one will return my phone call. I want this FRAUDULANT ACCOUNT removed from my credit report immediately!!! I have already disputed it and Transunion says their legit, then why won't they call me back and tell me how in the world I owe them money!? FAKES!!!!
Business response
02/02/2024
Dear *******,

Thank you for reaching out to eCredable through the BBB. We appreciate your openness in sharing your feedback with us. It is invaluable as we use your feedback to make eCredable even better.

eCredable underwent a?rigorous approval process with TransUnion to become a Data Furnisher authorized to report utility accounts on consumer credit reports. TransUnion would never permit eCredable to falsely advertise services that were not approved. Furthermore, eCredable operates 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 complying.

eCredable is not permitted by TransUnion to report Utility and Telecom accounts as revolving accounts or installment loans. eCredable was approved by TransUnion to specifically report Utility and Telecom accounts as an Open Account. Therefore, you do not have a debt owed to eCredable.

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 *************************************************************************************************** Phone, ********************************* Landline

Regarding the balance on your utility accounts, in order to reflect all the charges and payments made to your account over the course of a billing cycle (which is typically 30 days), eCredable is required only to report payment information that is posted on your current statement. eCredable is not permitted by TransUnion to report payments made after the current billing cycle is closed. This is defined in the reporting requirements dictated to us by TransUnion. Credit utilization rates are based solely on revolving credit essentially, credit cards and some 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 DTE and We Energies accounts are not?factored into your credit utilization.?

Regarding the screenshots you provided from your Credit Karma account - Credit Karma is not a credit bureau. They purchase your credit report from TransUnion and provide an interpreted view of your credit report detail.?If you are using a credit monitoring service (e.g., Credit Karma), and see your utility accounts categorized as a loan, the credit monitoring service you are using is mis categorizing these accounts. Please contact Credit Karma for more information.

You are an ********** (****) customer and enrolled in the **** Utility Reporting *********************** facilitated by eCredable. The accounts appearing in your TransUnion credit report are your DTE Energy and We Energies accounts, which you opted to link at ****, thereby granting authorization to report these accounts on our Transunion credit report. Your utility accounts will be listed on your TransUnion credit report as follows:?

Open Utility Account (Type 92)
ECREDABLE.COM, LLC 91002990****
Original Creditor: ?DTE Energy

Open Utility Account (Type 92)
ECREDABLE.COM, LLC **************
Original Creditor: We Energies

There are four ways you can confirm the information reported on your TransUnion credit report:?
1. Match the utility account numbers on your Transunion credit report to the account number found on your utility account statements.?
2. Contact **** directly at 877-875-**** (****) and ask the **** representative to locate the utility account on your TransUnion credit report and verify the account type and original creditor.
3. Contact TransUnion directly at ************** and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type and original creditor.
4. You can get a free copy of your official TransUnion credit report to confirm your utility accounts have been added to your TransUnion credit report as an open utility 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.

Lastly, since you opted-out and canceled your **** Utility Reporting *********************** at ****, the utility accounts were closed on your TransUnion credit report with a $0 balance and in good standing on 10/12/2023, according to TransUnion's reporting requirements.

Please tell us if you have questions or can contact **** and TransUnion to verify this information.

eCredable Care

eCredable Lift
"Make Every Payment Count"
Customer response
02/02/2024

Complaint: 21236870

I am rejecting this response because:
I have read numerous reviews AND complaints regarding this business "Ecredable" and that is there response to every single person's complaint. They do nothing to help you. They can't even answer their phone OR return messages!!! They are scammers and I am not accepting their response!!!

Sincerely,

*************************
Business response
02/02/2024
Dear *******,
Thank you for following up regarding your concerns. In order for eCredable to become a BBB accredited company, we must meet all the Better Business Bureaus Requirements for BBB Accreditation. The BBBs criteria for accreditations are as follows. eCredable must:
be in business for six months or more;
must have all the required licensing and bonding for your area;
have resolved any BBB customer complaints;
have no governmental ethics violations;
follow all advertising laws and BBB advertising best practices;
follow through on all contracts and promises made in business practice and advertising;
the website provides and follows a privacy policy and uses secure financial transactions (if applicable)
You can review and confirm the BBB Eligibility Requirements for BBB Accreditation and Code of Advertising at the BBB.
BBB Eligibility Requirements for BBB Accreditation click here ******************************************************************;
BBB Code of Advertising click here ***************************************************************;
eCredables BBB Accreditation click here ***********************************************************************************************************************************;
eCredable has been an accredited BBB Company since May 2012 with an A Rating from the BBB.?Therefore, eCredable has been assessed and approved by the BBB, thereby meeting the BBBs Requirements for BBB Accreditation and Code of Advertising. This is in an effort to address your concerns about eCredable's position on this matter.
Concerning your DTE Energy and We Energies accounts appearing in your TransUnion credit report, which you opted to link at IDIQ, thereby granting authorization to report these accounts on your Transunion credit report. eCredable will inform TransUnion to remove your DTE Energy and We Energies accounts from your TransUnion credit report at your request. This will be processed on 2/8/23 and your DTE Energy and We Energies accounts will be removed from your TransUnion credit report.
As a result of this action, eCredable must notify ********** (IDIQ) to opt you out of IDIQs Utility Reporting *********************** facilitated by eCredable to ensure your DTE Energy and We Energies accounts will no longer be reported on your TransUnion credit report. If you choose to opt-in to IDIQs Utility Reporting *********************** in the future and link your utility accounts at IDIQ, you will be granting eCredable authorization to report utility accounts on your Transunion credit report.
Please tell us if you have questions or can contact IDIQ to verify this information.
eCredable Care
eCredable Lift
"Make Every Payment Count"
Initial Complaint
01/04/2024
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not Liable for this debt with ECREDABLE I do not have a contract with ******* WIRELESS - SOUTH they did not provide me with the original contract as requested.
Business response
01/12/2024
Dear ****,
Our records show you signed up for eCredable Lift on 5/5/2023 to report your utility accounts on your TransUnion credit report and raise your FICO Score 9 and VantageScore 3.0 from TransUnion.

eCredable does NOT report Utility and Telecom accounts to TransUnion as revolving accounts or installment loans. eCredable was approved by TransUnion to strictly 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. *************************************** Telecommunications ****** Phone, ********************************* Landline
The account appearing on your TransUnion credit report is your ******* Wireless account you opted-in to link to eCredable, granting us authorization to report these accounts on our Transunion credit report at your request. To link an account to **********************, you must provide your ******* Wireless username and password on eCredable to authorize ************* to your ******* Wireless account for the purpose of downloading your payment history and reporting this account to TransUnion. Your ******* Wireless account will be listed on your TransUnion credit report as follows:

************ Account (Type 4D)
*********************************************
Original Creditor: ******* Wireless

To ensure this, we also encourage you to confirm your utility account is listed on your TransUnion credit report as an open utility account in three ways.

1. Match the utility account numbers on your TransUnion credit report to the account numbers found on your statements.
2. Contact TransUnion directly at ************** and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type and original creditor.
3. You can get a free copy of your official TransUnion credit report at AnnualCreditReport.com to confirm your account has been added to your TransUnion credit report as an open utility account. This site is the major credit bureaus' official website to fill orders for the free annual credit report you are *********** under federal law. To get a free copy of your credit report from TransUnion - visit www.AnnualCreditReport.com.

We have attached copies of your ******* Wireless statement,which clearly shows you are responsible for this account. The action you took to de-link the ******* Wireless account from your ********************** Profile results in the account being reported as Closed and in good standing effective 1/11/2024 on your TransUnion credit report. This is standard procedure per the reporting requirements from TransUnion that we must comply with.
Please let us know if you have any additional questions. Alternatively,you can contact TransUnion to verify this information.

eCredable Care

eCredable Lift
"Make Every Payment Count"
Initial Complaint
12/28/2023
Complaint Type:
Product Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
Ecredable does not have links that work. They report in emails that they have the business that are linked or they are working on the problem. Months later they still do not work but they still take your money. I am requesting a full refund of all money paid as they are taking money for a product that does not work. I have contacted them by both phone and email and so have numerous others by proof all over the internet that they are frauding the consumers. One example of email below. I have many from the times I have emailed them. And there are many phone calls to them. Phone records can be pulled or they can just listen to the calls I made. **** (eCredable Lift)Sep 15, 2023, 2:59?PM EDT Hi ********, eCredable is undergoing an update with Century Link to improve interoperability and your experience on eCredable. Unfortunately, this is affecting some Century Link accounts. Once the update is complete, we will notify you via email and you will be able to link your Century Link account so your monthly payments can be automatically reported. We apologize for the inconvenience and appreciate your patience. Thank you for choosing eCredable! Please respond to this ticket if you need further assistance. eCredable Care eCredable Business Lift Make Every Payment Count
Business response
01/04/2024
Dear ********,
eCredable has immediately looked into your concerns. Upon thoroughly reviewing your eCredable Lift profile, your AT&T, ************,***************, and Salt River Project accounts are linked to eCredable and are actively reporting on your TransUnion credit report. The utility and telecom accounts will be listed on your TransUnion credit report as follows:

AT&T will be listed on your TransUnion credit report as a Telecom Account (Type 4D)
ECREDABLE.COM, LLC 26507960****
Original Creditor: AT&T

City Of **** ** will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 110204933****
Original Creditor: ************ **

*************** will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 856957****
Original Creditor: ***************

Salt River Project will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 20066****
Original Creditor: Salt River Project

Salt River Project will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 13916****
Original Creditor: Salt River Project

To ensure this, we also encourage you to confirm your utility account is listed on your TransUnion credit report as an open utility or Telecom account in three ways.
1. Match the utility account numbers found on your statements to the account numbers found on your TransUnion credit report.
2. Contact TransUnion directly at ************** and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type and original creditor.
3. You can get a free copy of your official TransUnion credit report at AnnualCreditReport.com to confirm your account has been added to your TransUnion credit report as an open utility account. This site is the major credit bureaus' official website to fill orders for the free annual credit report you are *********** under federal law. To get a free copy of your credit report from TransUnion - visit www.AnnualCreditReport.com.

CenturyLink
Regarding your CenturyLink account, CenturyLink notified eCredable that the username and password you entered on eCredable to link your account were incorrect and did not match their records. We have attached a screenshot copy of the status we encountered when you originally attempted to link your CenturyLink account. Unfortunately,once you updated your CenturyLink login information and your account was linked to **********************, we could not find any digital statements posted in your CenturyLink online account. Digital statements are required to collect your payment history to determine the accounts paid-as-agreed status.

Weve considered your refund request. It has been determined that services were rendered and available to you as promised. However,we strive to deliver the best experience possible to all of our customers, so we have decided to issue a one-time refund.

Please let us know if you have any additional questions. Alternatively,you can contact CenturyLink or TransUnion to verify this information.
eCredable Care
eCredable Lift
"Make Every Payment Count"
Customer response
02/20/2024

Complaint: 21068777

I am rejecting this response because: ECredable has been cancelled by me. I had them refund my money months ago. However, they are now reporting on my credit report wrong information. That I am not a paying them. They refunded due to a previous BBB complaint. They still do not have accurate information. They are not only reporting that I am not paying them, but they are also reporting that I am not paying a credit card that I have paid up to date, by TD Card by Target. I also have not paid any of those companies $1.00 so Ecrediable has reported all false information. So all of those credit card companies can be removed that ECrediable has reported as that is false information. I have told Ecredible by email I did not want their services and they still are reporting revolving services on my credit report. I ask immediately the false information be removed. I can send all my ecrediable emails if needed.

Sincerely,

***************************
Business response
02/20/2024
Dear ********,
Thank you for reaching out to eCredable through the BBB. After a careful review of your eCredable profile, you renewed your eCredable Lift subscription on 9/13/23. You then opted-in by proceeding to link your Salt River Project,************, **, AT&T, and *************** accounts to eCredable,which you gave eCredable authorization to report these accounts on your TransUnion credit report. Your utility and telecom accounts have been reported paid on-time and will be listed on your TransUnion credit report as follows:

AT&T will be listed on your TransUnion credit report as a Telecom Account (Type 4D)
ECREDABLE.COM, LLC 26507960****
Original Creditor: AT&T

************ ** will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 110204933****
Original Creditor: ************ **

*************** will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 856957****
Original Creditor: ***************

Salt River Project will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 20066****
Original Creditor: Salt River Project

Salt River Project will be listed on your TransUnion credit report as a Utility Account (Type 92)
ECREDABLE.COM, LLC 13916****
Original Creditor: Salt River Project

To confirm this, we also encourage you to review your utility account is listed on your TransUnion credit report as an open utility or Telecom account in any of three ways.
1. Match the utility account numbers found on your statements to the account numbers found on your TransUnion credit report.
2. Contact TransUnion directly at ************** and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type and original creditor.
3. You can get a free copy of your official TransUnion credit report at AnnualCreditReport.com to confirm your account has been added to your TransUnion credit report as an open utility account. 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.

If you no longer wish to use eCredable Lift, you may cancel your subscription online at any time.There is no commitment or cancellation fee. However, per your request at the BBB, eCredable has administratively canceled your eCredable Lift subscription effective 2/20/24.Consequently, your Salt River Project, ************, **, AT&T, and *************** accounts will be closed on your TransUnion credit report with a $0 balance in good standing on 2/22/24,according to TransUnion's reporting requirements and guidelines.

eCredable does not report Utility and Telecom accounts to TransUnion as revolving accounts. eCredable was approved by TransUnion to report Utility and Telecom accounts as an Open Account. Therefore, eCredable has no involvement in other accounts outlined in Ms. ****** complaint or her Target Card issued by *******.We encourage her to contact ******* for more information concerning the Target Card account.

Please let us know if you have any additional questions. Alternatively, you can contact TransUnion to verify this information.
eCredable Care

eCredable Lift
"Make Every Payment Count"
Initial Complaint
12/22/2023
Complaint Type:
Customer Service Issues
Status:
Answered
The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.
I am not liable for this debt with ECREDABLE, I do not have a contract with ECREDABLE or **********. they did not provide me with the original contracts as I requested
Business response
12/28/2023
Dear *******,
eCredable does NOT report Utility and Telecom accounts to TransUnion as revolving accounts or installment loans. eCredable was approved by TransUnion to strictly report Utility and Telecom accounts as an "Open Account." TransUnion categorizes accounts on your credit report as one of five Account Types:
Mortgage (e.g., Home Loan)
Revolving (e.g., Credit Card)
Installment (e.g., Personal Loan)
Line of Credit (e.g., Home Equity Line of Credit)
Open (e.g., Utility Account or Telecommunications)

eCredable only reports Open Accounts as either Utility or ****************************************************************************************** Phone, ********************************* Landline
The accounts appearing on your TransUnion credit report are the Conservice utility accounts you opted-in to link to eCredable, granting us authorization to report these accounts on our Transunion credit report at your request. To link an account to **********************, you must provide your Conservice username and password on eCredable to authorize secure access to your Conservice account for the purpose of downloading your payment history and reporting these accounts to TransUnion. Your utility accounts will be listed on your TransUnion credit report as follows:

Open Utility Account (Type 92)
ECREDABLE.COM, LLC 3379****
Original Creditor: Conservice

Open Utility Account (Type 92)
ECREDABLE.COM, LLC 2896****
Original Creditor: Conservice

To ensure this, we also encourage you to confirm your utility account is listed on your TransUnion credit report as an open utility account in three ways--match your utility account numbers, speak to a TransUnion representative, or get a copy of your TransUnion credit report from AnnualCreditReport.com.

1. Contact TransUnion directly at ************** and ask the TransUnion representative to locate the utility accounts on your TransUnion credit report and verify the account type and original creditor.

2. You can get a free copy of your official TransUnion credit report at AnnualCreditReport.com to confirm your account has been added to your TransUnion credit report as an open utility account. This site is the major credit bureaus' official website to fill orders for the free annual credit report you are *********** under federal law. To get a free copy of your credit report from TransUnion - visit www.AnnualCreditReport.com.

We have attached copies of your Conservice statements, which clearly shows your name on the account and that you are responsible for these accounts. The action you took to de-link the Conservice account from your ********************** Profile results in the account being reported as Closed and in good standing effective 12/28/2023 on your TransUnion credit report. This is standard procedure per the reporting requirements from TransUnion that we must comply with.
Please let us know if you have any additional questions. Alternatively, you can contact TransUnion to verify this information.

eCredable Care

eCredable Lift
"Make Every Payment Count"
Initial Complaint
09/20/2023
Complaint Type:
Service or Repair Issues
Status:
Resolved
The complainant verified the issue was resolved to their satisfaction.
This is not a good site there is no way to get in touch with the owners. I lost $200 on this site. I signed up and then cancelled the service the same day and there is no way to get in touch with them for a refund. The site says cancelling your service will leave your account active for the months you have paid for but this is not the case with the yearly plan. The site has a chatbot that answers questions but no actual person. No phone number either.
Business response
09/28/2023
Hi Meki,
We appreciate you contacting eCredable through the BBB. I'm pleased to inform you that this matter has been resolved, and any misunderstanding was addressed during your interactions with our eCredable Care team members on multiple occasions.
During the initial interaction, which took place on September 20, 2023, at 04:50 pm, your concerns regarding the use of a gift card for eCredable services were addressed promptly through LiveChat with an eCredable Care team member.
Subsequently, on the same day at 05:04 pm, during the second interaction, we addressed your concerns regarding access to your eCredable Business Lift account. You were informed that you have full access to eCredable until September 20, ****, through our ticketing system. You responded to this ticket expressing your appreciation and offering apologies for any prior misunderstandings.
As stated on eCredable, eCredable Care offers 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.

EVA, 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 Care Help Center 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 require further assistance.

eCredable Care

eCredable Business Lift
Make Every Payment Count
Customer response
09/28/2023

Better Business Bureau:

I have reviewed the response made by the business in reference to complaint ID ********, and find that this resolution is satisfactory to me.

Sincerely,

*******************

Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business. ↩

BBB Rating & Accreditation

A-

Accredited Since: 5/25/2012

Years in Business: 16

Customer Reviews are not used in the calculation of BBB Rating

Reasons for BBB Rating

Contact Information

PO Box 634

Alpharetta, GA 30009-0634

Visit Website

(888) 732-7337

Business hours

Closed

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Customer Complaints Summary

18 total complaints in the last 3 years.

6 complaints closed in the last 12 months.

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Monday	9:00 AM - 5:00 PM
Tuesday	9:00 AM - 5:00 PM
Wednesday	9:00 AM - 5:00 PM
Thursday	9:00 AM - 5:00 PM
Friday	9:00 AM - 5:00 PM
Saturday	Closed
Sunday	Closed

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