UPDATED OCTOBER 31, 2026

Clear disclosures.

Our business

eCredit is a division of RaiseX. This website currently provides education, free consultation contact options and a business research preview. Online restoration enrollment, document analysis, disputes and paid orders are not active.

Free means no purchase required

You do not need to buy monitoring, a course, software or business research to request the free introductory consultation. You can obtain your own reports through AnnualCreditReport.com. Free reports do not necessarily include credit scores.

MyScoreIQ and referral compensation

MyScoreIQ is a third-party paid monitoring service. eCredit/RaiseX may receive compensation for qualifying enrollments through an approved referral link. No compensated enrollment link is active on this website while the specific offer and affiliate terms are being verified. Any future recommendation will display the compensation disclosure alongside the link. Provider charges, renewal and cancellation terms are separate from eCredit. Monitoring does not itself promise a credit-score improvement.

No outcome or certification claims

We do not guarantee a score increase, deletion, loan approval or completion date. This site does not claim government approval, credit-bureau affiliation or an independently verified board certification. A private credential, if later identified and verified, does not replace legal registration requirements.

Separate kinds of information

A personal credit score, a business credit-bureau score and a due-diligence assessment measure different things. A future evidence-based research assessment would explain its methodology, source coverage and uncertainty. It would not be interchangeable with a bureau score or guarantee a safe business relationship.

Keep your credentials private

Do not share monitoring passwords, security answers or one-time verification codes. No identity documents or reports are accepted on this website. A future portal will explain what documents are necessary for the specific service and how to submit them.