Credit Card Center Advertiser Disclosure

New Visitor
Posts: 5
Registered: ‎01-20-2009
0 Kudos

Does anyone know PRBC?

Hello, on today's AOL site, under "ways to help your credit report" is an article ( that talks about a few ways or reparing the score. Most of them, we're well aware of. One mentions a credit bureau call PRBC, "Pay Rent, Build Credit".  According to their site, they help rebuild your credit by reporting "what you ARE paying promptly and on, daycare, utility bills, etc". Is anyone familiar with this company? Though they list several credentials, it's hard to say if they're legit.

Thanks for your opinions.


New Visitor
Posts: 1
Registered: ‎01-29-2009
0 Kudos

Re: Does anyone know PRBC?

I first heard about them when I randomly picked up a book while wandering around Barnes & Noble.  It was a personal finance book for African-American women, I don't remember the title, and I'm white but I wanted to see what would be different, if anything (i.e., different cultural experiences leading to different problems?).  The author mentioned PRBC and I wrote down the URL and went home and looked at it.  Then I looked around Google for discussions about it and it seems that it's been written up in a few places.  Interestingly, FICO is working with them to put together a fourth credit score, as detailed on the Fair Isaac site.


Fair Isaac article


I just signed up with them recently because I want someone tracking my rent and utility payments and I know darned well the Big Three aren't going to bother.

Established Contributor
Posts: 945
Registered: ‎06-13-2008

Re: Does anyone know PRBC?

[ Edited ]

Looks like this is designed to fill a very narrow niche for potential house buyers.


The language from fico and prbc's own website indicate that it is not for rebuilding credit with the three main bureaus, but for the subset of potential house buyers who do not have a traditional credit history:  credit cards, car loans, etc.  This allows those individuals to show how they meet their existing obligations that are not reflected in their credit reports from the main 3.


This is not a way to repair your existing scores with the 3 bureaus, but an alternative bureau.  Signing up with them is doing them a favor because they are trying to market their product to banks, etc., as another credit bureau that is a better predictor than the main 3 because it includes all the monthly maintenance bills that people have.


ETA:  In addition, you can't make a potential creditor look at this information.  In order to look at it, they would have to buy PRBC's product.


As a sidenote, I have heard that some employers and potential creditors are interested in reviewing this kind of information that is not included on the credit reports from the main 3, so this may be the direction we are heading anyway.

Message Edited by jesslyn on 01-30-2009 08:16 AM

Forums posts are not provided or commissioned by FICO. Forums posts have not been reviewed, approved or otherwise endorsed by FICO. It is not FICO's responsibility to ensure all posts and/or questions are answered.

† Advertiser Disclosure: The listings that appear on myFICO are from companies from which myFICO receives compensation, which may impact how and where products appear on myFICO (including, for example, the order in which they appear). myFICO does not review or include all companies or all available products.
‡ Credit cards for FICO Score ranges: The score ranges are guidelines based on internal myFICO analysis of actual applicant approvals, and having a FICO Score in a particular range does not guarantee you will be approved for credit cards recommended in that range. These ranges were not provided by any card issuer.

* For complete information, see the terms and conditions on the credit card issuer’s website. Once you click apply for this card, you will be directed to the issuer’s website where you may review the terms and conditions of the card before applying. While myFICO always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer itself.

Copyright ©2001-2015 Fair Isaac Corporation. All rights reserved.   | Terms of Use | Privacy Policy | Sitemap

IMPORTANT INFORMATION: All FICO® Score products made available on include a FICO® Score 8, along with additional FICO® Score versions. Your lender or insurer may use a different FICO® Score than the versions you receive from myFICO, or another type of credit score altogether. Learn more

FICO, myFICO, Score Watch, The score lenders use, and The Score That Matters are trademarks or registered trademarks of Fair Isaac Corporation. Equifax Credit Report is a trademark of Equifax, Inc. and its affiliated companies. Many factors affect your FICO Score and the interest rates you may receive. Fair Isaac is not a credit repair organization as defined under federal or state law, including the Credit Repair Organizations Act. Fair Isaac does not provide "credit repair" services or advice or assistance regarding "rebuilding" or "improving" your credit record, credit history or credit rating. FTC's website on credit.