Qualify for a Mortgage With Your PRBC Reportsm

Build Credit with Bill Payments You've Already Made
If you've paid your rent and three monthly bills on time for the past 12 months, you could qualify for a mortgage with one of PRBC's featured lending partners.

If you've been told you have no credit score or "not enough credit" to apply for a home loan, a PRBC Report can help you qualify for a prime mortgage. Most of the bills you pay each month - including rent, utilities, cable, and phone bills - are not reported to the traditional credit bureaus, unless payments are late or missed.

PRBC provides a simple way to document your on-time payments. In the absence of negative credit from traditional bureaus, a PRBC Report could help you qualify for a mortgage today.



How Does it Work?

Enroll today - signing up is easy and takes under five minutes.

Enter your basic account information for the bills you now pay - rent, utilities, cable, phone, etc. The more accounts you've paid on time, the better your credit file will look to lenders.

Order a Verification. Once the Verification is complete, you can use your PRBC Report to help you qualify for a mortgage.

After your Verification has been completed, call PRBC at (877) PRBC-123 (1-877-772-2123), and our customer care staff will put you in touch with a hand-selected lender to begin your mortgage process.

Pay Your Bills On Time and Qualify for a Mortgage

Enroll Now

Featured Lender



Citizens Home Loan accepts PRBC Reports to qualify loans in over 30 states.
Learn More

From our customers...

"My wife and I recently applied for a mortgage for a new home. We were stunned to learn that my wife didn't have a credit score with the traditional credit bureaus just because she doesn't have a credit card or carry any other debt. Our broker told us about PRBC, and that my wife could build a credit file using payments for the non-debt bills she pays on time.

My wife ordered a PRBC Report showing 12 months of her on-time payments for rent, daycare, auto insurance, and our electric bills. Within a week of submitting her PRBC Report to our lender, our loan was approved, and we closed on the house a week later.

Our interest rate for the loan would have been 1% higher if my wife hadn't used a PRBC report. We're literally saving hundreds of dollars a month thanks to PRBC."

- Rich M.
Bozeman, MT