ON - Omidyar Network

Payment Reporting Builds Credit (PRBC), owned by MicroBilt, enables consumers and small business owners with limited or no credit history to build a PRBC credit history by reporting their bill payments, activities that are typically not tracked by traditional credit bureaus.

Why We Invested

PRBC is a national consumer reporting agency and credit bureau that collects, stores, and reports bill payment data. Its services enable consumers and small business owners to build a credit file and score based on their history of paying rent and other recurring bill payments.

PRBC helps level the playing field for those people who have little or no credit history and therefore struggle to access the credit necessary to improve their economic standing. It also provides an opportunity for those who have had a poor credit score in the past to rebuild their credit without having to go into debt.