Press Release

FOR IMMEDIATE RELEASE
Monday, December 4, 2006

PRBC^®, America's Alternative Credit Bureau, Receives
U.S. Patent for Bill Payment Reporting and Scoring

PRBC Leads in Alternative Credit Data Reporting and Scoring

Annapolis, MD and Hamden, CT - Pay Rent, Build Credit, Inc., dba PRBC^®, announced today that the United States Patent and Trademark Office has granted Patent Number 7,139,734 for the company's technology and method for collecting data on commonly recurring bill payments made by individuals and small businesses, and incorporating them in a credit file, credit report, and credit score. Examples of common monthly payments that go largely unreported to traditional credit bureaus include rent, private mortgages, non-prime auto loans, utilities, phone, cable, insurance premiums, pay day advances, and rental furniture and appliances.

According to Michael Nathans, PRBC Chairman and Founder, "The patent recognizes PRBC's technology and method as a credit bureau, for collecting bill payment data from financial institutions that consumers and small businesses use to pay their bills each month, and for storing and scoring that data to produce a report indicating the payer's creditworthiness, specifically their willingness and ability to make timely payments. The patent validates PRBC's market leadership in the alternative credit data space and our business model; credit-seeking consumers and small businesses, as well as the financial institutions and insurers that serve them, will benefit."

"By using positive payment information about recurring bills as proof of creditworthiness, PRBC's service can add value to the bill payment services offered by financial institutions," said Corey Stone, PRBC's CEO. "It gives banks and credit unions a new way to help their customers build credit and secure their financial futures, while supporting higher depositor retention and cross-selling with the institution's credit and insurance products," said Stone.

"Reporting rental and other recurring bill payments to PRBC is a community development service for banks under the Community Reinvestment Act", added Nathans. "And PRBC protects financial institutions' customer relationships by not selling mailing lists."

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About PRBC

PRBC is a consumer reporting agency that collects, stores, scores, and reports bill payment data for "permissible purposes" under the Fair Credit Reporting Act. It is the first credit bureau to give consumers and small businesses the tools to demonstrate their creditworthiness without the need to go into debt.

In addition to receiving payment data from creditors and financial institutions' bill payment services, PRBC has partnered with the National Credit Reporting Association to verify trade line accounts and up to three (3) years worth of prior payments that are reported directly by consumers to PRBC.

Lenders can purchase a PRBC Report^sm depicting a consumer�s bill payment history either on a standalone basis, or merged with Equifax, Experian, and TransUnion credit reports. Each PRBC Report is accompanied by a PRBC Bill Payment Score^sm (BPS^sm). PRBC Reports and the BPS are used in the absence of a traditional credit report, or to supplement one in order to gain a more complete and accurate risk assessment of an applicant. A PRBC Report may also be used as a "non-traditional mortgage credit report" (NTMCR) that meets and exceeds secondary market standards for documenting creditworthiness.

PRBC does not charge consumers or small businesses a fee to enroll in the service or to view their own payment data at any time.

PRBC advocates that Payment Reporting Builds Credit^sm and can be accessed at www.PRBC.com.

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