Build Credit in a New Way

PRBC is America's Alternative Credit Bureau, providing a helpful service to the over 50 million people with limited or no credit history. If you pay your monthly bills on time, PRBC can help you build credit to qualify for a mortgage, car loan, and better interest rates.

Build credit by paying your monthly bills

Build credit by paying your monthly bills

Get Credit for Paying Bills On Time

On-time payments for the following bills typically are not reported to the traditional credit bureaus:

Rent
Cable

Phone
Daycare

Insurance
Electric

Natural Gas
Cell Phone

The only time your payments for these bills are reported to the other credit bureaus is if they're missing or late.

With PRBC, your on-time payments count. You build credit for paying your bills on time, even if you have no credit history. PRBC offers two simple ways to start building credit today.