You're familiar with what an alternative credit score is, and why it can be such a useful tool in managing your credit. The next step? Getting started!

The PRBC alternative credit report works similarly to a traditional credit score, but with a few key differences:

In addition to traditional credit information, PRBC tracks monthly bill payment habits for rent, utilities, cell phones, internet and subscriptions.

Internet, Phone Bills
Utility Payments
Student Loans

The range of possible scores extends from 100 to 850. If your rating is over 750, you're considered extremely responsible.

750 Excellent!

How do I sign up for a PRBC alternative credit?

To receive your alternative credit score, all you have to do is set up an account. Here's how it works:

Enter your full name and email address, create a password and then read the terms and conditions.
Link your utility, phone, internet and subscription accounts so we can collect bill payment information.
Your credit report and score are immediately available on your dashboard.

One thing to remember is that PRBC's service is 100-percent free.

You can get your PRBC report as many times as you want - simply log in to your account. You'll not only be able to see your credit rating, but also use our other tools like bill payment reminders.

A safe, secure service

Why do you need to link your bank, utility and internet service provider accounts? This is so we can update your alternative credit score in real time, and ensure it's always accurate. To protect your data, we take the followings steps:

  • Our data center, where we store, collect and analyze all of your bill payment information, is compliant with Payment Card Industry Data Security Standard 3.0, the latest set of protocols from the PCI Security Standards Council. For extra protection, we monitor the facility 24/7/365.
  • We use 256-bit AES encryption, one of the most sophisticated information encryption standards in use.

If you want to learn more about our security protocols, click here.

Where can you use your PRBC alternative credit report?

As we mentioned, more than 8,500 companies so far use PRBC alternative credit reports throughout the country when extending credit to customers. Some of the businesses that accept PRBC alternative credit scores include:

  • Car dealerships
  • Electronics and appliances retailers
  • Furniture stores

Remember, your alternative credit score depends on your bill payment habits. If you pay all of your monthly bills on time and in full, your rating will benefit as a result.

If you want to learn more about how you can use PRBC's nontraditional credit score, get in touch with our staff today.

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