How does eCredable Lift impact my Credit Score?

The impact on your credit score depends on your current credit history.

If you're new to credit or have a thin credit file (only a few accounts), reporting your rent, phone, and utility payments may help establish or strengthen your credit profile—especially if you have up to 24 months of verified payment history.

If you already have a well-established credit history with multiple active accounts, adding these payment histories may have little or no impact on your credit score. However, they can still contribute additional positive payment history to your credit report.