How is PRBC different from the “big three” credit bureaus – Equifax, Experian, and TransUnion?
PRBC is the only credit bureau that allows people to enroll themselves. It’s also the only bureau that lets individuals demonstrate their fiscal responsibility with information that is not reported to the “big three,” such as on-time rental payments and non-debt bill payments. PRBC produces a PRBC Reportsm and Bill Payment Scoresm (BPSsm) that can be used to supplement your “big three” credit bureau reports and scores (if you have one of them). A PRBC Report and BPS can show that you have paid your bills on time for up to the past three years. PRBC maintains your bill payment history in your file for seven years but does not share your file without your permission. Unlike other credit bureaus, PRBC does not charge you a fee to view your PRBC information at any time, nor does PRBC sell your private personal information to solicitors, telemarketers, or direct mail firms.
