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ECRID is a Credit Bureau that lets you create your own ECRID Credit Report by adding a minimum of four conventional or non conventional creditors. 

ECRID Bill Pay is where you pay your bills monthly.

ECRID is the first B to C Credit Bureau that allows you the opportunity to Ad any of your bills; conventional or unconventional. 

ECRID has its own Qscore that lets lenders know what your Debt to Income Ratio and Rental/Mortgage payment history is like.