Get Credit for Paying Your Bills On Time

You no longer need credit in order to get credit. If you pay your monthly bills on time, you can build a positive credit file with PRBC. As your credit file grows, you'll qualify for new credit offers and better rates.

Today, a PRBC credit file can help you qualify for a mortgage or auto loan. Soon, you'll be able to use your credit file to get a cell phone, credit card, or personal loan.

Report your on-time payments to PRBC and qualify for a mortgage

Build Credit with Bills You've Already Paid

If you're applying for a mortgage, or would like to build your credit file as quickly as possible, jumpstart your PRBC credit file using payments you've already made.


Enroll today - signing up is easy and takes under five minutes.

Enter your basic account information for the bills you now pay - rent, utilities, cable, phone, etc. The more accounts you've paid on time, the better your credit file will look to lenders.

Order a Verification. Once the Verification is complete, you can use your PRBC Report to help you qualify for a mortgage.

Get Credit for Paying Your Bills On Time

Enroll Now



Learn How To Create Your File


Building your PRBC credit file is a great way to prove your financial responsibility to lenders. View our web demo that shows how easy it is to get started.