Frequently Asked Questions

  • 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.

  • What businesses are already using PRBC?

    There are currently thousands of businesses using PRBC in the United States today. These businesses include furniture stores, auto dealerships, banks, landlords and short-term lenders.

  • What if I have another question?

    PRBC service representatives are standing by to answer any additional questions you have. You can email them now.

  • What does PRBC mean?

    PRBC – Payment Reporting Builds Credit. We started this idea back in 2005 and are the largest non-traditional Credit Reporting Agency in the World.

  • Why is PRBC better than anything else like it?

    To begin with PRBC is free for consumers. They can sign up free, use the tools for free and see their score for free. Some competitors like to say they are free but in reality they wait until the consumer created an account and then charge them to verify the bills.

    Convenience is the other big reason people love PRBC. We verify your bills electronically

  • Does PRBC have anything to do with TransUnion, Equifax or Experian?

    No, PRBC is a Credit Reporting Agency registered with the CFPB and operates under the FCRA just like those companies but uses “non-traditional information” (utility, mobile phone, and other bills) to build your score. PRBC does not affect the reports of these other companies.