How does eCredable Business Lift work?

How Does eCredable Business Lift Help Build My Business Credit?

Your eCredable Business Lift subscription helps build and strengthen your business credit profile by creating positive tradelines with the major business credit bureaus through four reporting methods.

1. eCredable Subscription Reporting

Your active Business Lift subscription is automatically reported each month as a positive tradeline to:

• Dun & Bradstreet (D&B)
• Equifax
• Experian

No additional setup is required.

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2. Report Business Credit Cards (D&B)

Many business credit card issuers do not report payment history to all business credit bureaus. eCredable allows you to self-report eligible business credit cards to Dun & Bradstreet.

After securely linking your business credit card through Plaid, we report your account status, balance, and payment activity to D&B each month.

To get started:

1. From your dashboard, select Business Credit Card.
2. Connect your card using Plaid.
3. Select your financial institution.
4. Complete the secure verification process.

Note: This is a newer reporting program. While we cannot guarantee an immediate impact on your business credit profile, consistent reporting over time may help strengthen your credit history.

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3. Report Business Utility Accounts (Equifax)

You can report eligible business power, gas, and water accounts to Equifax.

Once connected, eCredable can retrieve up to 24 months of payment history and continue reporting verified payments each month.

To get started:

1. Select Power, Gas, or Water from your dashboard.
2. Choose your utility provider.
3. Connect your account securely through Arcadia.

Please note:

• Only business utility accounts are eligible.
• Personal utility accounts are not eligible.
• Internet and phone providers already report directly to Equifax and cannot be added.
• If your utility provider isn't listed, upload a recent statement and we'll evaluate adding support.

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4. Report Business Service Invoices (D&B)

You can build business credit by reporting invoices from eligible business service providers to Dun & Bradstreet.

After uploading an invoice, simply match it to the payment made from your linked bank account or business credit card.

We accept invoices dated within the past 24 months, and you can continue adding new invoices as they are paid.

To get started:

1. Link the bank account or business credit card used to pay your invoices.
2. Select Business Service from your dashboard.
3. Upload one or more eligible invoices (PDF, JPG, or PNG).
4. Match each invoice to the corresponding payment.

If your service provider is not yet supported, upload your invoice and we'll review the provider for future eligibility.

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By combining subscription reporting, business credit card reporting, utility reporting, and verified business service invoices, Business Lift helps establish a stronger, more complete business credit profile with the major business credit bureaus.