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eCredable LiftLocker: the digital assistant that unlocks your creditworthiness

eCredable and Finlocker have come together to create eCredable LiftLocker™ to address the needs of consumers who are most challenged with demonstrating their creditworthiness to access necessary financial services and products.

NAAC, as a HUD-certified counselor, uses this platform to help prospective homebuyers anyone who wants to save money, plan for retirement, pre- and post- purchase counseling for homebuyers, credit restoration, and financial management.






What is  LiftLockerTM and how does it work?

LiftLocker is your digital assistant that guides you on a lifelong journey of leveraging your credit to qualify for the best offers possible. This guided journey includes credit building, credit monitoring, goal setting, budget management, cash flow analysis, financial education, and a comprehensive set of tools to prepare you for credit journeys as complex as buying a home.

Easily connect all your utility, bank, credit card and investment accounts in one app to manage every facet of your financial life in one place.

eCredable LiftLocker lets you do things you couldn’t do before by giving you the control to choose which utility accounts you want reported on your TransUnion® credit report so you may raise your FICO® Score 8 and VantageScore® 3.0 overnight. There’s never been a faster way to build credit.

Get a monthly TransUnion credit report and VantageScore®. Receive alerts when there are any changes to your credit report.

TransUnion CreditCompass™ shows you the way to the score you’d like to achieve.

VantageScore® 3.0 Simulator takes the guesswork out of credit score changes. See how your own VantageScore 3.0 would change based on a variety of different future actions or events–including the impact of reporting utility accounts on your credit score.

It’s hard to manage your financial life when your accounts are scattered all over the place. Bring everything into focus by linking your utility accounts, bank account, savings, credit card, investment and insurance accounts into one place.

The fastest way to achieve your goals is to use customizable credit journeys to learn the best financial behaviors that impact one of the most important parts of your financial life–your credit score.

Credit and Loans allow you to match your credit profile with financial offers that you are more likely to qualify for.

Home Buying Journey lays out the steps to simplify the process, and makes it easy to include your real estate agent and mortgage broker along the way.

Ready to get started? Fill out our intake form and access  this service for free.
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