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Credit & Decisioning

Powerful tools for smarter credit scoring and decisions.

If your business extends credit to customers, consumer data is critical to your revenue and profitability. But offering credit also carries risks. Smart businesses choose MicroBilt to provide the high-quality, cost-efficient consumer credit data they need to help ensure the best loan decisions are being made for their business. Our consumer credit and decisioning tools include:

Alternative Credit Reporting
With PRBC alternative credit scoring you can now assess the creditworthiness and ability to pay of the 100 million people who have no traditional credit history on file with the traditional credit houses.
PRBC Consumer Report

Provides a FICO-like score based on predictive alternative data credit.

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PRBC iPredict

A complete customizable tool that uses PRBC alternative credit data to automate loan origination decisioning.

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Traditional Credit Reporting
MicroBilt is a convenient, single-source provider for consumer credit reports from Equifax, Experian and TransUnion.
Decision Support Products
For business that want to act fast, decisioning tools can be customized to your risk threshold. This automates the credit decision process saving you time and money.
MLA Verify

Instantly let’s you know if applicants are subject to Military Lending Act regulations.

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Adverse action notification

Automatically creates and sends adverse action emails for you.

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Decision Table

Completely customizable, Decision Table allows you to automate your decisioning process according to your own risk tolerance level.

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NADA Vehicle Pricing

The National Automobile Dealer Association (NADA) Vehicle Pricing Report is used to obtain information for assessing a specific vehicle’s value.

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Get a solution customized to your needs

Have one of our business service consultants contact you.

Speak with a business solution consultant

We’re here to help you protect and grow your business. If you have questions or need help let us know.


PRBCnow you can

Life’s Free Alternative Credit Score.

Use the bills you pay to establish the credit score you need.

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