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 can help lenders see how reliable you are.

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.

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

Have questions?  We have answers.


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