ECRID Certified Lenders

Ecrid Certified Lenders want to approve individuals for loans in order to obtain a home, car, retail credit, credit card and much more.  By simply choosing the particular lending category and clicking on the respective ECRID Certified Lender, an individual can submit a Request for Credit Application to the ECRID Certified Lender who will review the application and then correspond via email with an answer regarding financing. 

Secured Credit Cards

A secured card is as the name suggests secured by a deposit that serves as your credit limit. If you fail to make a payment, the card issuer can take your deposit. It works just like an unsecured credit card or what you might consider as a “normal” card. Use for small purchases that you can pay off each month. The point of using a secured credit card is to show your ability to responsibly charge and then pay off your balance. Just make a few purchases each month and pay your bill in full and on time.

Contact Secured Credit Cards Lenders

Unsecured Credit Cards

An unsecured credit card is a payment card issued to users (cardholders) to enable the cardholder to pay a merchant for goods and services based on the cardholder's promise to the card issuer to pay them for the amount of the goods plus the other agreed charges. The card issuer (usually a bank) creates a revolving account and grants a line of credit to the cardholder from which the cardholder can borrow money for payment to a merchant or as a cash advance. In other words, credit cards combine payment services with extensions of credit.

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Retail Credit

Millions of people annually apply for retail credit ie. Macy’s, Bloomingdales, Victoria Secret, etc. It is ECRID's goal to provide you with a consortium of retail lenders that sell products you like and want to purchase.

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Mortgage

The minimum payment due for a credit card must be included in your debt-to-income ratio when calculating your ability to pay the mortgage.  Carrying a credit card balance of more than 25 percent to 30 percent of the limit can negatively impact your credit score.  As long as you have the income and assets to cover your charge card and credit card bills, your mortgage application shouldn't be adversely affected. You will need to be prepared for the paperwork to document your ability to pay your charge card and your mortgage. With ECRID we will help you to improve your credit score.

 

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Auto

The more late payments or missed payments you have, the more your credit score will decline. As a result, if you are unable to make the payments per the original terms of your loan, then settling the debt sooner rather than later would help your credit score in the sense that it would have a smaller drop than if you continued to miss payments. ECRID will help you how to get back on track.

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Secured Loans

A secured loan is based on collateral. Collateral is tangible property that the lender places a lien on when providing the loan to a borrower ie. home or car loan. The home belongs to the owner, but the lending institution has a right to take and sell the home if the owner does not make the payments according to the terms of the loan.

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Unsecured Loans

An unsecured loan does not have collateral attached. Due to the higher risk, the lender assumes with an unsecured loan, the interest rate is usually higher than on a secured loan.

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Miscellaneous

You are steps away from fulfilling a new beginning.  With ECRID, you are in control of your financial destiny.

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