Life’s Free Alternative Credit Score
Use the bills you pay to establish the credit score you need.
Use your PRBC score to qualify for
Line of credit
Personal loan
Auto loan
Home loan
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So how does PRBC work?

Before you take out a loan or make a big purchase, lenders will want to be sure you'll make your payments. Having a good credit score tells them you're reliable. The trouble is, traditional scores don't include some of your most important payment habits. That means you could be paying all of your bills on time, every month, but still be denied a loan. With PRBC, those "other" bill payments are part of the decision.

To get a PRBC Alternative Credit Score, become a member and register at least three monthly-billed accounts. These might be your rent, your electric bill, your cable bill or even an online service. Then, all you have to do is be sure to pay your bills on time every month. When you do, your good habits show up as a good PRBC Score.

The more accounts you add, and keep up your payments on, the higher your PRBC Score will go. And best of all, getting started on the road to better credit is absolutely free.

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PRBC is free and always will be
Learn how PRBC can help you
PRBC uses more data to more accurately show how well you manage your money.
Traditional Credit Score
  • Credit Cards
  • Personal Loans
  • Mortgages
  • Car Loans
PRBC Alternative Credit Score
  • Credit Cards
  • Personal Loans
  • Mortgages
  • Car Loans
  • Rent
  • Utlities (electric, gas, oil)
  • Telephone (home and mobile)
  • Cable / Satellite TV
  • Internet Provider
  • Subscriptions
  • Insurance
  • Rent-to-Own
  • Memberships
  • Retail Purchases
  • Prepaid Cards
  • Bank Accounts
  • Social
Who can PRBC help ?
PRBC offers an excellent alternative for people with:
No credit
Poor credit
Limited credit
Declined credit
  1. “I love what you are doing to help us build credit. Thank you, I now have a credit score and am getting better rates.”
    ~ Miranda – PRBC Member
  2. “My monthly payments for rent and utilities now count and I have a score.”
    ~ Darius – PRBC Member
  3. “Free really means free. What a great service.”
    ~ Stephanie – PRBC member
  4. “Up until today I thought there were only 3 credit reporting companies.”
    ~ Eduard – PRBC member

Building your PRBC credit score is easy.

Enter your bills and payment information
Get your PRBC score
Who can PRBC help ?
PRBC offers an excellent alternative for people with:
No credit
Poor credit
Limited credit
Declined credit

Have questions?  We have answers.


Have questions?
We have answers.

About PRBC

What does PRBC mean?

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

Why is PRBC better?

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?

No, PRBC is a registered Credit Reporting Agency 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?

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?

No, PRBC is a registered Credit Reporting Agency 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.

Your PRBC Score

How does a PRBC Alternative Credit Score work? Is it like a regular credit score?

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?

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?

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?

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?

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?

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?

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?

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?

No, it doesn't.

Will businesses accept a PRBC alternative credit score?

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 cannot 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?

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?

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?

No, it does not.

What businesses are already using PRBC?

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.

Contact Us and we will send you our reporting guidelines. Additional info can be found at

Can I get a loan if I am a PRBC member?

There are partners affiliated with PRBC that you can contact. 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?

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.

Security and Privacy

How can I know the information I give to PRBC is secure?

PRBC is powered and protected by MicroBilt and their 35 years of experience in the data industry. Data protection at PRBC is up to the standards of the largest banks in the country. All data is encrypted using 256-bit encryption and all communication happens through a Secure Socket Layer (SSL). In addition, our databases comply with the PCI standard - the highest security standard in the industry. To learn more, see our page detailing security provisions.

What is happening with my personal/private information?

We will never share your information without your permission. You can read the PRBC Privacy Policy for details.

How do I keep my PRBC account safe?

To keep your account safe, never share your password or write it down. Make sure your password is unique and hard to guess and that it includes numbers and special characters. PRBC also recommends that you use antivirus software on your computer to keep it safe from hackers. Additionally, avoid logging into your PRBC account from Public Computers and if you do, make sure you log out completely before leaving.

Is it possible to do a credit freeze?

There is no reason to put a security Freeze on your PRBC account. Unlike other credit bureaus, with PRBC you can always see what is on your report.

Contact Us

Please send us an email with your question or comment and we will respond shortly.