PRBC® Credit Reports

payment reporting builds credit®

GIVING CREDIT WHERE CREDIT IS DUE

CCI’s provides a systematic solution to qualifying and approving borrowers with thin credit files or who access “non-traditional” or typically un-reported sources of credit, allowing CCI customers to close loans in the underserved and emerging markets.

CCI has partnered with PRBC®, the only credit repository to provide a “non-traditional” credit score, to verify historical housing and recurring bill payment histories and generate a Bill Payment ScoreSM (BPS) for those consumers who make regular, monthly payments but have difficulty qualifying for a mortgage due to little or no reported credit tradelines.

How does this work?
First, the borrower enters his or her personal data and payment account details into PRBC's system at prbc.com.

PRBC® then generates a Bill Payment Score (BPS) score based on the verified payment information. The BPS is reported in CCI’s Tri-Merge Credit Report along with any credit data and FICO® score(s) from the three national credit bureaus, Experian, Transunion and Equifax.

How do I order a PRBC® Report?
First, have your borrower visit prbc.com to register and enter his or her payment history for monthly expenses like rent, utilities, insurance and more. The borrower must enter at least 3 types of expenses paid.

Then, call CCI to place an order for a PRBC® Report.