To complement our internal programs to reward consumers who establish good payment histories with us, we also ensure that payment histories are reported to the major national credit bureaus in an accurate and timely manner. This can help our customers establish a history of borrowing and paying back money.

In addition to these reporting relationships with the three major national credit bureas, CompuCredit has also established a relationship with PRBC. PRBC is a consumer reporting agency that collects, stores, scores, and reports bill payment data. Most traditional credit scores don't reflect on-time commonly recurring bill payments, like rent, insurance, phone bills or utility payments, or even payment history with products like our short term loans. Consumers can self-enroll, and their PRBC Report and score can be used either to supplement a traditional credit report and score to gain a more complete and accurate risk assessment of an applicant, or to assess those without a traditional credit report and score. In this way, our customers’ payment behavior can help them to establish or re-establish a strong credit history.