ECreditAdvisor

What ECreditAdvisor does

ECreditAdvisor is a U.S. consumer credit-repair and mortgage-readiness service based in Henderson, Nevada, operating as a private service business with 1-10 employees. The company serves individuals with damaged or sub-prime credit who are working toward mortgage qualification, offering one-on-one personal advisor consultations, customized credit improvement plans, and ongoing coaching through the home-buying process. Its core offering is the Mortgage Credit Assistance Program, in which advisors review credit reports, develop action plans, and coordinate with mortgage lenders to clear remaining credit obstacles before loan application.

The product surface extends beyond counseling into supporting tools and partnerships: a client portal (myecreditadvisor.com) provides progress tracking and access to coaching materials, a "Mortgage Ready" checklist structures application preparation, the CreditBuilder Card supports credit building through reported payment history, and educational content is distributed via the "Extra Credit" blog and consumer-rights resources. Distribution is a hybrid of direct-to-consumer website/phone sales and a channel network of 10,000+ loan officers and real estate agents who refer clients; a proprietary partner-tracking platform gives those partners visibility into client progress and coaching. Additional partnerships include National Home Builders and Cornerstone Client Solutions, the latter providing curated credit card offers designed to improve credit scores.

The revenue model is positioned as professional services with a freemium front end (free credit consultation) leading into a paid Mortgage Credit Assistance Program with subscription/recurring characteristics; full program pricing is not publicly disclosed. The company markets a 100% refund guarantee tied to client credit-score improvement goals and reports a 95.8% completion/success rate and ~75-point average mid credit score increase for a 2015 cohort. No AI/ML capabilities, public funding history, enterprise customers, or headcount trajectory are disclosed in available materials.

Name

ECreditAdvisor

Legal name

eCreditAdvisor

Website

https://ecreditadvisor.com

Company type

Private

Operating status

Operating

Headcount range

1–10 employees

Short description

ECreditAdvisor is a U.S. consumer credit-repair service that helps individuals with poor credit become mortgage-ready through personal advisor coaching, customized credit improvement plans, and a 10,000+ loan officer and real estate agent partner network.

Ownership category

akta.pro rank

Product category

Credit Repair & Mortgage Credit Assistance

NAICS

Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320)

akta.pro primary industry

Credit Repair & Credit Score Advisory (FSAEAFAD)

akta.pro secondary industries

Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ), Credit Score Monitoring & Credit Building (FSAGADAE)

Keywords

• Credit repair services
• Mortgage credit assistance
• Credit score improvement
• Credit counselling
• Mortgage readiness coaching

Headquarters

HQ city

Henderson

HQ country

United States

HQ region

North America

Markets served

GTM type

B2C

Offering type

Services

Cost components

Personnel, Marketing or Sales, Operations, Technology or R&D, Infrastructure

Revenue model

1. Credit Repair and Mortgage Assistance Services: Professional services revenue model providing credit repair and mortgage credit assistance to consumers. Includes personalized advisor services, credit report review, customized plans, and ongoing coaching through the home buying process.

Pricing tiers

Go-to-market motion3 records

Distribution channels3 records

Marketing channels7 records

Core offering

ECreditAdvisor provides personalized credit counselling and credit repair services aimed at helping consumers raise their credit scores to qualify for home mortgages. Personal advisors review credit reports, develop customized action plans, and deliver one-on-one coaching until the client is mortgage-ready. The company supplements the advisory service with a client portal for progress tracking and the CreditBuilder Card for credit building.

Product overview

ECreditAdvisor is a mortgage credit assistance service provider offering a unified program combining personal advisor consultation, online account management, and educational resources. The core offering is the Mortgage Credit Assistance Program, where clients work with personal advisors who review credit reports and create customized action plans. This is supplemented by the Client Portal for real-time progress tracking, a Mortgage Ready checklist for application preparation, and the CreditBuilder Card for credit building. The company also provides educational content through the Extra Credit blog and connects clients with partner credit card offerings through Cornerstone Client Solutions. The service is designed to help consumers with credit challenges achieve mortgage qualification in the shortest time possible.

Differentiator

Problem solved

Functional benefit

Products and services

• Mortgage Credit Assistance Program A comprehensive credit repair and mortgage-readiness program for U.S. consumers with bad credit. Personal advisors review credit reports, develop customized action plans, and provide one-on-one coaching to help clients exceed minimum mortgage qualification thresholds. Includes ongoing coordination with the client's mortgage lender to resolve remaining credit obstacles.
• CreditBuilder Card A credit-building credit card designed to help consumers establish or rebuild credit scores through responsible card usage with reported payment history, offered to eCreditAdvisor clients as part of their credit improvement plan.

Quantifiable outcome

• 95.8% of clients who completed the program and purchased a home saw credit score increases
• +2 more outcomes

Segments1 record

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Partnerships

Four partnerships are on record, tiered minor and core.

• Cornerstone Client SolutionsminorGTM or Marketing PartnerReferral partnership for credit card offers. Cornerstone Client Solutions specifically chooses credit card offers designed to improve credit scores, which eCreditAdvisor recommends to clients for building credit.
• National Home BuilderscoreChannel Partner/ Reseller/ DistributorPartnership with the nation's largest home builders. eCreditAdvisor provides credit restoration services to their customers, helping prospective home buyers overcome credit barriers.
• Loan Officers NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of over 10,000 loan officers who refer clients needing credit improvement. Partners use proprietary technology to track client progress through credit restoration.
• Real Estate Agents NetworkcoreChannel Partner/ Reseller/ DistributorNetwork of over 10,000 real estate agents who refer home buyers with credit challenges. Partners use proprietary technology to track client progress through credit restoration.

Scale indicators3 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Credit Saint: Direct competitor in consumer credit repair with tiered service packages, credit score monitoring, and personalized consultation. Operates in the same regulatory and competitive landscape as ECreditAdvisor.
• CreditRepair.com: Large-scale direct-to-consumer credit repair service targeting consumers with poor credit. Comparable in service offering (review, dispute, coach) and customer profile to ECreditAdvisor.
• Lexington Law: One of the largest U.S. credit repair firms, offering personalized credit repair programs similar to ECreditAdvisor's Mortgage Credit Assistance. Directly comparable in service model, target customer (consumers with damaged credit), and revenue approach.
• Sky Blue Credit Repair: Direct credit repair competitor with comparable one-on-one advisor model and unlimited dispute offering. Targets the same segment of consumers seeking to repair credit for major purchases, including mortgages.

Emerging players

• Self Financial: Credit builder lender offering secured credit-builder loans and the Self credit card. Comparable in credit-building mission but offers a lending product rather than advisory services; targets a similar subprime consumer segment.

Broad incumbents

• Credit Karma: Free credit monitoring and score platform owned by Intuit with massive scale. Adjacent in serving credit-improvement-seeking consumers and competes indirectly through free DIY alternatives to ECreditAdvisor's paid service.
• Experian: One of the three major U.S. credit bureaus, providing credit reports, scores, and consumer credit education. Indirectly comparable as the underlying data infrastructure ECreditAdvisor's advisors work with, and a competitor for credit-improvement mindshare.
• Credit Sesame: Personal finance platform offering free credit scores, monitoring, and credit-building products. Overlaps with ECreditAdvisor's customer segment and competes for the credit-improvement wallet with free tooling.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Xx.com/yourecredit
• Facebookfacebook.com/eCreditAdvisor
• LinkedInlinkedin.com/company/ecreditrepair
• Instagraminstagram.com/ecreditadvisor

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about ECreditAdvisor