Payment Reporting Builds Credit

We pioneered the idea of alternative credit data back in 2005. Now everyone is talking about it.

If you pay all of your monthly bills on time and in full, your alternative credit rating will benefit as a result.

Alternative credit refers to payment information associated with regular expenses such as phone, internet and utility bills, and factors in subscriptions.

Alternative Credit is the fastest growing category of lending information

Recognized by the Federal Equal Credit Opportunity Act (ECOA) alternative credit is fast becoming a gateway for millions of people to participate in the credit market. While legally a lender must consider any consumer with a nontraditional payment history, many businesses are discovering alternative credit is a great way to connect them with good customers.

Aside from the additional data PRBC includes in its credit scores, they have a few similarities with traditional credit reports. For example, instead of using a scale of 350 to 850, PRBC uses a scale of 100 to 850. Any score over 750 says that you're a responsible financial citizen. So, while there's a big difference between how we calculate alternative credit and how other consumer credit agencies analyze traditional credit, nontraditional credit scores aren't difficult for businesses to understand.

PRBC is here for you 24/7 and its always 100% free.

As a PRBC member, you can get your PRBC credit report whenever you want, as many times as you want - simply log into your account.

Businesses use PRBC alternative credit reports throughout the country. Some of the companies that accept PRBC alternative credit scores include:

  • Car Dealerships
  • Electronics and Appliances Retailers
  • Furniture Stores

The safety of your data is our top priority.

To create your score, PRBC needs visibility into your banking and bill paying accounts. To give you peace of mind, we’ve invested in the highest standards of data security.

Our data center, where we store, collect and analyze all of your bill payment information, is compliant with Payment Card Industry Data Security Standard 3.0, the latest set of protocols from the PCI Security Standards Council. We monitor the facility 24/7/365 and use 256-bit AES encryption, one of the most sophisticated encryption standards available.