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.
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.
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.
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.
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.
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