pin forgot password create account easy sign up how it works faq our story contact us member log in life s alternative credit score use all the bills you pay to establish the credit score you need . developing financial inclusion build your financial future with free credit scores reports and monitoring . get started life s alternative credit score credit scores should be free and easy . and now they are . get started prbc offers an excellent alternative for people with limited credit no credit declined credit poor credit how does prbc work with prbc all your bill payments become part of your credit score and part of a lender s decision you could pay every monthly bill on time and in full for years without any change in your fico score potentially disqualifying you from a loan . to get a prbc score and report become a member and register your monthly billed accounts such as rent electric and cable bills or even an online service . pay each of them on time and you ll earn a great prbc score . the more accounts you add and pay off regularly the higher your score . best of all it s absolutely free . read more read less create your account watch how prbc can help you the prbc report your prbc credit report includes all your bills like rent utilities mobile phone etc in an industry standard easy to understand format that lenders are accustomed to . free account verifications all the bills that you add to your prbc account are verified instantly and for free . learn more using your prbc report presenting your prbc report to qualified lenders enables you to qualify for line of credit personal loan auto loan home loan miranda prbc member i love what you are doing to help us build credit . thank you i now have a credit score and am getting better rates . darius prbc member my monthly payments for rent and utilities now count and i have a prbc score . stephanie prbc member free really means free . what a great service . eduard prbc member up until today i thought there were only 3 credit reporting companies . marie prbc member amazed that you can include your utilities in a credit score . john prbc member this is fantastic . thank you using prbc is easy create your prbc account securely connect your accounts instantly get your prbc report use your report with over 8500 businesses across the us and growing have questions we have answers . about prbc your prbc score using this website other questions security and privacy questions about prbc what does prbc mean why is prbc better does prbc have anything to do with transunion equifax or experian how big is prbc who is microbilt and why are they mentioned with prbc what does prbc mean answer 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 answer to begin with prbc is free . you can sign up free use the tools for free and see your score for free . some competitors like to say they are free but in reality they wait until you ve created an account and then charge you to verify your bills or provide you a report . convenience is the other big reason people love prbc . we verify your bills electronically so you don t need to update your information each month . and prbc lets you manage and organize your bills and accounts including your finances utilities rent mortgage insurance travel rewards subscriptions and more in one place while also giving you a reliable alternative credit score . does prbc have anything to do with transunion equifax or experian answer 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 . how big is prbc answer prbc is the world s largest provider of non traditional data to the credit market . who is microbilt and why are they mentioned with prbc answer microbilt is the parent company of prbc . as a leading single source provider of decision critical information that assists businesses in reducing and managing risk microbilt provides online access to consumer and commercial credit bureau data automated decisioning and collection services as well as industry benchmark data and risk management tools . microbilt has over 30 years of experience in risk management for business and its leading edge technology forms the backbone of the prbc service offering . your prbc score how does a prbc alternative credit score work is it like a regular credit score how is prbc different from other alternative credit scores how is my prbc score calculated what kinds of accounts does prbc work with do you give me a score or report how much do prbc reports cost is there ever a charge for using prbc are alternative credit scores reliable does the prbc alternative credit score affect my traditional credit score will businesses accept a prbc alternative credit score when is credit checked how many times can i get my prbc report does checking my prbc score impact my traditional credit report what businesses are already using prbc i represent a business and want to report payments for my customers so they can get credit . can i get a loan if i am a prbc member how do i get my credit report from you how does a prbc alternative credit score work is it like a regular credit score answer the prbc alternative credit score is similar to a traditional credit score . it uses the same numbering system with roughly the same meaning as a traditional score . the range of possible scores extends from 100 to 850 although the key portion of that scale lies between 600 and 750 . any score over 750 will be considered extremely reliable and any score under 600 is likely to be denied credit by an institution that requires a credit check . most scores fall between 600 and 750 . the higher the score the more likely you are to be approved for a loan and the lower your interest rate is likely to be for that loan . how is prbc different from other alternative credit scores answer prbc is the oldest and largest provider of alternative credit scores . no one else can offer an alternative credit score more reliable than the prbc score . more importantly creating a credit score with prbc is and always will be free . stay away from anyone asking you to pay in order to create a score how is my prbc score calculated answer prbc uses credit lines or accounts to calculate your score . the more accounts and information you provide the more accurate your score . accounts include things like banks accounts credit cards utility bills heat electricity etc. mobile phones insurance policies mortgages or leases in your name . what kinds of accounts does prbc work with answer prbc works with thousands of banks utility companies credit card companies insurance companies mortgage accounts and a whole lot more . and we are adding more every day . if you don t see your provider listed on prbc let us know . if you are paying a particular bill on a regular basis with any company and we can verify and track it then it can be counted towards your score . do you give me a score or report answer prbc gives you both a score and a report . the score is live on your dashboard and you can download a report anytime you want . how much do prbc reports cost answer being a prbc member is completely free to you . when you apply for a loan or purchase using prbc the lender merchant pays a fee to check on your score through us . is there ever a charge for using prbc answer prbc is and always will be completely free to consumers . we earn a small fee from our business partners who pay to look at your score when you apply for a loan or credit . are alternative credit scores reliable answer yes they are . alternative credit scores capture the day to day reliability and financial habits of people . how someone handles their money in paying bills is considered a strong indication of how someone they will manage money loaned to them . the technology to monitor bill paying habits this didn t exist a few years ago but it does today . this is why alternative credit scores are finally becoming mainstream . does the prbc alternative credit score affect my traditional credit score answer no it doesn t. will businesses accept a prbc alternative credit score answer according to the equal credit opportunity act if you present a business with proof of alternative payment history they must consider it when making a decision on whether to give you credit . you can not legally be told sorry we only take regular credit scores . it is however up to you to make your score reliable . the more accounts you register as part of your prbc score the more reliable your score will be . if you have more payment accounts verified with prbc businesses will get a better picture of your overall reliability when considering your score in their decision . when is credit checked answer a person s credit is checked for many reasons including when they apply for a job purchase or lease a car set up a utility apply for a credit card purchase a cell phone apply for an apartment lease or open a bank account . how many times can i get my prbc report answer you can get your prbc report as often as you want . and it will always be free to do so . plus unlike traditional reports that show only portions of all the data they have a prbc report shows everything you ve entered into the prbc system . does checking my prbc score impact my traditional credit report answer no it does not . what businesses are already using prbc answer customers have been approved for loans and purchases using prbc at furniture stores auto dealers jewelry stores banks and other lenders . prbc has also been used to get approved for apartment leases . i represent a business and want to report payments for my customers so they can get credit . answer contact us and we will send you our reporting guidelines . additional info can be found at prbcmainstreet.com . can i get a loan if i am a prbc member answer there are thousands of prbc partners that can offer you a loan . there are many variables that determine your creditworthiness and each creditor has their own criteria for granting loans . your success in getting a loan and the rate offered will depend on your credit worthiness and the creditor s individual criteria . how do i get my credit report from you answer a prbc score is live on your dashboard and you can get a report anytime you want . just click the view your prbc credit report link from your dashboard . using this website who can join prbc can i participate if i am moving to the united states is prbc available in countries besides the united states of america is prbc just for people with no credit how does the prbc website work what if i don t have one of the accounts you ask