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Business owners who accept
PRBC approve more customers
Accept fiscally responsible
customers that are credit invisible
Millions of new customers are waiting
Turn your declines into approvals

So, how does PRBC work?

Smarter Credit Scoring

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.

20% of U.S. households are underbanked
Another 7.7% are entirely unbanked
67.6M adults are impacted
Not every category of financial data is factored into standard credit scores. Everyday expenses including rent, utilities and insurance are ignored.

Start approving more credit worthy customers today with PRBC

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Have questions?  We have answers.

  • How does a PRBC alternative credit score work? Is it like a regular credit score?

    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.

  • Are alternative credit scores reliable?

    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.

  • What is included in a PRBC credit report?

    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.

  • How is PRBC’s alternative credit score different from others?

    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.