"Without this kind of capability, we would always be a very tiny, boutique credit bureau. Now with Urjanet, we can scale to serve millions and millions of consumers." - Steve Ely, CEO of eCredableeCredable is an alternative credit bureau that provides credit scores for customers who lack a traditional credit history. Customers of eCredable can link certain monthly financial obligations, including utilities and telecom providers, to their eCredable file and receive a verified credit score. Based in Alpharetta, Georgia, eCredable aims to help the nearly 50 million Americans without traditional credit scores gain access to affordable financial services.