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You might also find the following useful for your retail appliance store:


The Red Shield solution is a streamlined, low cost Red Flags verification process that analyzes the likelihood of identity fraud instantaneously.

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A federal government mandate, this report checks to see if a customer is any way connected with terrorist organization.

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MicroBilt offers the leading identity verification products and services and cutting edge authentication products that will minimize your risk.

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Appliance: Increase Sales and Profits

Increase the Sales and Profits of your Retail Appliance Business by Serving a Significant and Growing Segment of Underserved Creditworthy Customers

MicroBilt's PRBC Consumer Report with FICO Expansion Score and other alternative data and credit scores offer to your retail appliance business the opportunity to tap into this huge market of creditworthy customers. When you pull a credit report through and it comes back with a thin file, no trade lines or a no hit – you can now supplement your information with a PRBC Consumer Report with FICO Expansion Score or other non-traditional reports.

To conduct a quick but thorough credit check on a customer at your retail appliance store, we recommend:

PRBC Report with FICO® Expansion® Score

Approximately 50 million Americans have little or no credit history on file with the Experian, Equifax and TransUnion credit bureaus, yet they earn a steady income and meet regular payment obligations of rent, utilities, and recurring bills. These creditworthy individuals are often denied for credit offerings due to their 'thin' credit history and this offers your retail appliance business a significant population of new customers. MicroBilt's PRBC Report with FICO Expansion Score offers your business the opportunity to tap into a huge market of creditworthy customers by allowing you to use alternative data to make nontraditional credit decisions with minimal risk.

FICO Expansion Score

The FICO Expansion score is a new credit risk score from Fair Isaac designed specifically to help lenders extend credit to consumers in new markets. Because it is based on non-traditional credit data, it can effectively predict risk for the growing number of U.S. consumers that fail to receive a traditional FICO score due to non-existent or "thin" credit histories. Because it uses alternative data sources, the FICO Expansion score helps retail appliance businesses confidently extend credit to customers that are typically excluded from the traditional credit-granting process due to insufficient credit histories.

Consumer Credit Reports

Consumer data is essential for your retail appliance business to operate and you need a comprehensive, secure source for your mission critical information. Consumer credit data is a core building block in making credit, leasing, collection and hiring decisions. MicroBilt is your single source for credit reports from Equifax, Experian and TransUnion, as well as PRBC. Business reports are available from Dun & Bradstreet, Experian Business, Equifax Business and PayNet.

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For some time now, experts have criticized the ways in which the current credit system effectively locks tens of millions of Americans out of being able to borrow. This can ha
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