Welcome to the new and improved Microbilt website

Short Term Lending

Make better loans while minimizing risk exposure.

MicroBilt introduces a complete line of data products for short-term lenders.

For short term lenders, writing smarter loans is the difference between a profitable business and a mess of collections and losses. MicroBilt provides a complete suite of tools to help you make the right choices across the entire loan process.

Fast, easy, and cost-effective.

All of MicroBilt’s products can be accessed through a convenient single portal accessible from any Internet-connected computer. This puts incredible public, private and proprietary data as well as automated decisioning tools right at your fingertips. Use MicroBilt’s products to:

Participate in the Alternative Credit Market

Over 100 million people return “not hit” or thin files when traditional credit reports are run. With PRBC, you can evaluate these customers and get a predictive credit score based on their financial behaviors.

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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Make better credit decisions

Verify a customer’s identity, learn their credit history, and even get a credit score on individuals who might otherwise return a ‘no hit’ or thin file during a credit check.

Decision Table

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

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Detect fraud before it happens

Get a glimpse into a consumer’s past financial deals, uncover any prior history of fraudulent activity and flag potential fraud risks before they impact your business.

ID Verify

Cross-references multiple data sources to confirm an identity and appends a fraudulence risk score automatically.

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Watchlist Search

Searches for an individual on the Federal OFAC watchlist as required by the Federal Patriot Act.

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ID Authenticate

Easily integrated into call-centers and website, ID authenticate confirms identity through questions only the individual would know the answers to.

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Collect fast and efficiently

Identify a customer’s location, assets, banking information and aliases. Determine which debts are most likely to be recovered so you can prioritize your efforts.

Smart Trac

Assess "collectability" so that you can prioritize efforts for the highest return.

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SPOT Verified Bank Locator

Locate, verify and predict the performance of an individual’s bank accounts.

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SPOT Place of Employment Report

Simply put, the collection industry’s most comprehensive, accurate and convenient data source for place of employment reporting.

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SPOT Verified Place of Employment

The SPOT Verified Place of Employment (POE) Report does the extra work to confirm an individual’s current place of employment.

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Enhanced People Search

Quickly locate an individual while gathering critical identity and contact information in the process.

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Property Search Report

MicroBilt’s Property Search Report shows you property owned or recently sold by an individual. It can be searched based on an individual’s information or in reverse, based on a property address.

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Make administration easier

Take the hassle out of regulatory requirements like adverse action letters and keep your staff compliant with FCRA training programs from MicroBilt.

Adverse action notification

Automatically creates and sends adverse action emails for you.

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Traditional Credit Reporting
MicroBilt is a convenient, single-source provider for consumer credit reports from Equifax, Experian and TransUnion.

Come meet

We love meeting people on the road
and are happy to answer questions
and demo products for you.

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