COVID-19 (Coronavirus) News & Trends

Seven Coronavirus scams targeting your business

March 26, 2020

We’ve warned consumers about Coronavirus-related scams, but businesses are at risk, too. Keep your guard up against these seven B2B scams that try to exploit companies’ concerns about COVID-19. In addition to sharing this information with your employees and social networks, read on for how you can report Coronavirus scams to the FTC.

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COVID-19 (Coronavirus) and MicroBilt Consumer Affairs Operating Hours

March 24th 2020

Due to the evolving COVID-19 (Coronavirus) pandemic, you may experience some longer than normal response and hold times. We are actively managing this fluid situation to ensure we answer our consumer and customer calls as quickly as possible. Please accept our sincere apologies if you experience any delays.
Office closures and/or government mandated curfews may impact our Consumer Affairs Departments. While we will continue to operate remotely, our Consumer Affairs personnel may be operating on reduced hours of operation. We appreciate your patience and understanding.
Our representatives are available to support you from Monday – Friday, 8:30am - 5:00pm, Eastern Time. Additionally, please feel free to review and utilize the information, forms, materials and links available on our Website,, available to you 24 hours a day, seven days a week.

COVID-19 (Coronavirus) and Your Credit

March 24th 2020

We are closely monitoring the every changing COVID-19 (Coronavirus) pandemic, and the effect it is having on businesses and individuals. We are reviewing Local, State and Federal legislations and agencies, including the Consumer Financial Protection Bureau (“CFPB”). Click here for further information: We are also taking measures to help support consumers impacted by the Coronavirus, while also working with creditors and lenders to minimize the effects on consumers’ credit standing.

Consumers who are experiencing a financial hardship may be wondering how potentially late or reduced payments might impact their credit scores. We encourage individuals with concerns to contact their lenders and creditors to discuss their options. Additionally, Online Lenders Association (“OLA”) and the Consumer Data Industry Association (“CDIA”) are providing guidance to creditors and lenders on how they can work with those who are affected by the Coronavirus.

So, what can you do to minimize the impact of Coronavirus on your credit standing?

  • Talk to your lenders and creditors and see if any assistance is available.
  • Pay what you can. To avoid having late payments show up on your credit reports, try to make at least the minimum payment on accounts, or pay any amount you and the lender or creditor agree upon.
  • Stay up-to-date on your credit reports.

    • MicroBilt and its wholly owned subsidiary, PRBC, maintain consumer databases and permit each consumer to obtain unlimited free copies of their own consumer report in our databases, and a free copy of their own consumer report in our databases upon each adverse action taken, which includes having an application for credit declined. To obtain a copy of your consumer report in our databases, please complete and sign the Consumer Report Request Form and return it to us via US Postal Service, or call us toll-free, and in each case provide all of the requested information and documentation. Click here to download the Consumer Report Request Form.  Note that you do not have to use our Form, as long as you provide all the information that is requested therein. Our Form is being provided as a convenience to you.
    • You are entitled to a free copy of your credit report every 12 months from each of the three nationwide credit bureaus by visiting

  • Consider adding a consumer statement to your credit reports. By contacting the relevant consumer reporting agency, you can add a brief statement to your credit report to explain your situation (word limits vary by state). An example of a consumer statement might be: “Please be advised that the negative accounts on my credit report are related to the Coronavirus. I intend to make these up as soon as I can.”

    • You may contact MicroBilt / PRBC:
      MicroBilt / PRBC
      Attn: Consumer Affairs Department
      P.O. Box 440693
      Kennesaw, GA 30160
      Phone: 888-222-7621
      Hours: Monday - Friday 8:30AM - 5:00PM ET

    • You may contact the three national consumer credit bureaus:

Equifax Credit Information Services, Inc.
P.O. Box 740241
Atlanta, GA 30374-0241
Automated Fraud Alert-1.800.525.6285
Order Credit Report-1.800.685.1111

Trans Union Credit Bureau
P.O. Box 6790
Fullerton, CA 92834-6790
Automated Fraud Alert-1.800.680.7289
Order Credit Report- 1.800.888.4213

P.O. Box 9554
Allen, TX 75013
Automated Fraud Alert-1.888.397.3742
Order Credit Report-1.888.397.3742

Microbilt’s response to COVID-19

March 13th 2020

Our thoughts go out to the individuals, businesses and communities that have been affected by COVID-19.

I want to make you aware of the precautions MicroBilt is taking to protect the health and safety of our employees, their families, our clients and our communities while maintaining a constant level of client service. We are proud to have robust technology in place that enables our employees to efficiently and effectively provide client service remotely if they are unable to report to our offices. We have also established remote working guidelines in each of our lines of business to help ensure we meet deadlines to deliver our work to you.

We continue to monitor this quickly evolving situation and if you have any questions or concerns, please contact us.


Walt Wojciechowski
CEO & President

MicroBilt Pandemic Preparedness Plan

For additional information about COVID-19, visit the Centers for Disease Control and Prevention at