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So how does PRBC work?

Millions of Americans today are excluded from the credit market. Traditional credit reporting - created in the last century - only looks at a limited amount of information and often returns ‘thin file’ or ‘no hit’ responses for people.

That doesn’t mean these people aren’t credit-worthy. It just means the traditional credit bureaus can’t tell.

PRBC tracks monthly bill paying habits for rent, utilities, cell phones, credit cards and more. These habits - which correlate to credit worthiness - are used to algorithmically calculate a PRBC Score that is based on the same scale as a traditional credit report.

By accepting PRBC credit scores at your business, you are able to evaluate the credit worthiness of more customers than you can with traditional credit reporting.

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Tell your customers you accept PRBC Click Here for More Info

The PRBC Credit Score.

PRBC, the industry’s oldest, largest and leading alternative credit score, measures the payment habits of consumers and applies a score similar to a traditional credit score.

This score has the same number and meaning as a traditional credit score and can be used by businesses like yours to assess the creditworthiness of a consumer.

It offers your business the opportunity to find new, credit-worthy customers you may have otherwise missed simply because these consumers don’t have a traditional credit score.

PRBC - affiliated businesses not only enjoy access to the PRBC Alternative Credit Score, but to a host of other data and risk management services offered by our parent company, MicroBilt.

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Smarter Credit Scoring

Assessing the creditworthiness of potential customers is a fundamental component of financial risk management. But business owners who rely exclusively on traditional credit criteria are leaving a number of responsible, reliable customers on the outside looking in.

20% of U.S. households are underbanked
Another 7.7% are entirely unbanked
67.6M adults are impacted
Not every category of financial data is factored into standard credit scores. Everyday expenses including rent, utilities and insurance are ignored.

Have questions?  We have answers.


About the PRBC Alternative Credit Score
How does a PRBC alternative credit score work? Is it like a regular credit score?

The PRBC alternative credit score provides a number on the same scale as a traditional credit score (up to 850). The number has the same meaning as a traditional score in terms of how much risk is carried. So a borrower with a PRBC Score of 650 carries the same risk as a traditional credit score of 650.

Are alternative credit scores reliable?

Studies show a strong correlation between alternative trade line history and risk. Rent, utilities, prepaid credit/debit history and short-term lending history are all statistically proven to predict credit worthiness, which is why alternative credit data is a fast growing category in business today.

What is included in a PRBC credit report?

A PRBC credit report includes data that can be specifically tailored to the credit you offer. The report also offers important payment and contact information including payment history, bank account data, public records, property records, address and phone number.

How is PRBC’s alternative credit score different from others?

PRBC was the first and remains the largest alternative credit bureau in the World. No other entity offers the depth of alternative data available through PRBC.

PRBC and My Business
Are PRBC reports available to all businesses and industries?

Many, but not all. Some highly regulated industries like the healthcare and medical are excluded as are home-based businesses and employment-screening.

Who is MicroBilt and why are they mentioned with PRBC?

MicroBilt is the parent company of PRBC and a long standing leader in credit, risk and data services. You can learn more about MicroBilt at www.microbilt.com

To accept PRBC scores, do I need an account with MicroBilt?

Yes. PRBC is an exclusive service offering from MicroBilt and a MicroBilt account is required. Our friendly customer service staff will help you get set up. Once your account is ready, you’ll be able to use PRBC as often as you like. You’ll also have access to the whole suite of business data and risk management services MicroBilt offers its other clients.

How much does a PRBC report cost?

PRBC credit reports vary in cost, but are at most a couple of dollars. And with PRBC there are no monthly minimums, you pay only for what you need.

How will customers know that my business uses PRBC?

PRBC Main Street affiliated businesses will be listed and searchable on our consumer website. In addition, PRBC Main Street offers a free Welcome Kit which includes a window sticker, counter card and badge for your website. Visit our Welcome Kit page to place your order.

About PRBC
What businesses are already using PRBC?

There are currently thousands of businesses using PRBC in the United States today. These businesses include furniture stores, auto dealerships, banks, landlords and short-term lenders.

What if I have another question?

PRBC service representatives are standing by to answer any additional questions you have. You can email them now .

Other questions
What does PRBC mean?

PRBC – Payment Reporting Builds Credit. We started this idea back in 2005 and are the largest non-traditional Credit Reporting Agency in the World.

Why is PRBC better than anything else like it?

To begin with PRBC is free for consumers. They can sign up free, use the tools for free and see their score for free. Some competitors like to say they are free but in reality they wait until the consumer created an account and then charge them to verify the bills.

Convenience is the other big reason people love PRBC. We verify your bills electronically so you don’t need to update your information each month. And PRBC lets you manage and organize your bills and accounts - including your finances, utilities, rent/mortgage, insurance, travel rewards, subscriptions and more - in one place, while also giving you a reliable alternative credit score.

Does PRBC have anything to do with TransUnion, Equifax or Experian?

No, PRBC is a Credit Reporting Agency registered with the CFPB and operates under the FCRA just like those companies but uses “non-traditional information” (utility, mobile phone, and other bills) to build your score. PRBC does not affect the reports of these other companies.

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Contact Us

  • 1-877-PRBC123
  • (1-877-772-2123)

  • PRBC
    1640 Airport Road, Suite 115 Kennesaw, GA 30144