The new publicly traded Credit Bureau, ECRID (OTC Stock Symbol: $ECDD), endeavors to become the disruptor of change and a model of advancement in the major credit industry and provide ease for individuals, businesses and families, as well. As successful, this will be the first time in American history a credit bureau lends money to those who simply sign up and become an ECRID credit report holder and can finance their homes, automobiles and personal loans through its lending division.