Almost all creditors use Alternative Credit Information in one form or another. There is a variety of information collected by a variety of companies falling into the category of Alternative Credit Information, but it's very difficult for the consumer to know what the lender is using behind the scenes. If the Alternative Credit Information is being used for making credit decisions, the information must conform to all the rules and regulations spelled out in the Fair and Accurate Credit Transactions Act. At eCredable, we believe in complete information transparency, which is why we are committed to reporting your information to be included in your core credit file at the participating NCRAs. When you order a credit report from a participating NCRA, you will see all the “alternative credit” accounts that you have asked us to report on your behalf.