Frequently Asked Questions

Featured 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.

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