Consumer Credit, Decisioning & Background Screening

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. As a consumer credit reporting agency, Microbilt's data and products meet the highest standards of quality and security. Our consumer credit and decisioning tools include:

Alternative Credit

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.

Traditional Credit

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

Compliance & Due Diligence

Decision Support

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.

Bank Account Holder Risk

Bank Account Verification & Aggregation

ACH/Check Payment Prescreen

MicroBilt’s bank account prescreening products make it easy to verify someone’s banking information before you conduct transactions. And predictive analytics mean you can do business with confidence that you know who you’re dealing with and can assess their ability to pay.