Benefits of working with PRBC

Understanding your customer's whole financial picture is critical to lowering your business risk.


Engaging individuals who are fiscally responsible brings stability to your operations, providing the secure foundations you need to grow your company.

PRBC is the tool that lets you identify creditworthy individuals to expand your customer base. More than 8,500 businesses and counting use this solution to do just that - thus lowering their risk and increasing revenue.


Extensive experience

PRBC is an exclusive service that recognized the drawbacks of using traditional credit data as the only means of analyzing consumer credit and business risk. Thus, PRBC became the first consumer reporting agency to include nontraditional credit data such as utility, rent, subscription and phone payments (to name a few).

Since then, PRBC has helped businesses of all kinds reduce their risk portfolios and connect with underbanked, but financially responsible customers, earning a reputation for its security, ease-of-use and effectiveness.

What you’ll get in the report

The PRBC Consumer Report analyzes a customer's traditional and nontraditional credit data, presenting an accurate assessment of his or her financial profile. The report consists of:

A PRBC Score on a scale
of 100 - 850.
Eviction, lien, judgment and bankruptcy records.
Alternative credit trade lines (rent, short term loans, utilities, etc.)
Real property ownership.
Positive and negative retail bank transaction items.
Identity verification details.
Bank account closures.

A secure, reliable service


PCI DSS 3.0 Compliance

Establishes tight controls for storing, transmitting and processing cardholder data.


Secure Sockets Layer

Creates an encrypted link between our servers and your account.


256-bit Advanced Encryption Standard

Hides your credentials from hackers, and is a favorite of the U.S. government.

Continuous system testing

Allows us to spot vulnerabilities within our services and apply any necessary patches.

How can you sign up for PRBC?

If you're interested in signing up for PRBC, speak with one of our representatives, who will guide you through the process and provide any instruction you may need. Once you're up and running, you'll be able to use PRBC as often as you like. In addition, you'll gain access to a wealth of business data and risk management tools associated with MicroBilt.

The underbanked, financially responsible customers you've been turning away are within reach. Connecting with them entails working with the world's first consumer reporting agency to offer alternative credit data.