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Submit a single request to MicroBilt's alternative credit platform to access its full suite of underwriting solutions through a single report.

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What does it do?

A report service that allows users to submit a single request to MicroBilt's alternative credit platform to access its full suite of underwriting solutions. All or any combination of alternative credit products can be configured for delivery in the response, including: iPredict Advantage, Profitability Lift, BAV Advantage, ID Verify (for Short Term Lending) and MLA Verify.

Product options available to request as part of this report are:

iPredict Advantage
A single, integrated predictive credit scoring solution that quickly evaluates the risk level of a potential loan applicant using the industry’s largest alternative lending credit database. This API delivers an industry leading score with credit attributes to support underwriting decisions.

BAV Advantage
This solution accesses over 2 billion ACH and check transactions on more than 100 million consumers. It helps lenders and other businesses evaluate the credit and fraud risk associated with a submitted bank account, while also evaluating the bank account's performance against the related consumer's credit history to compliment the information available from iPredict Advantage.

ID Verify
This solution references multiple data sources to confirm an individual’s identity across over 60 data points of personally identifiable information (PII) and appends a fraud risk score.

MLA Verify
This solution confirms if a borrower is covered under the requirements of the Federal Military Lending Act by searching the Department of Defense database to check for active military status.

This service was previously named "PRBC Consumer Lending Report", but has since been rebranded under the MicroBilt branded product suite.

What is it used for?

Requests through this solution are supported by MicroBilt's Automated Decision Intelligence (ADI) platform, which enable users to configure product bundles, decision workflow, scoring thresholds and other user-driven rules.


  • Web Based
  • Batch
  • API

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