Eduardo Ramirez - eRamirez.com

PRBC iPredict   A complete customizable tool that uses PRBC alternative credit data to automate loan origination decisioning.  iPredict is a single, convenient and integrated predictive scoring product that can be easily implemented across various product lines.

As a dynamic credit scoring solution, iPredict allows short-term lenders to assess credit risk on almost any consumer.  iPredict employs sophisticated algorithms to mine data from the industry’s largest and most relied upon short-term lending credit bureau database.

iPredict factors in over 165 data attributes when calculating the potential risk of a loan applicant defaulting on a loan. The iPredict report returns the following data: 

  • iPredict Score for short term credit risk
  • Short term credit inquiry attributes
  • Short term loan history (loans given, payments, etc.)
  • Consumer stability attributes
  • Bankruptcy, Liens, Judgment and Eviction records
  • DDA banking attributes​


iPredict enables companies to quickly evaluate the risk level of a potential loan applicant leading to reduced defaults, better margins and more efficient business processes. It is used in many industries including short term installment lending, buy-here-pay-here auto financing, check cashing, title lending and retail financing.  Learn More. 

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


As a supplementary data set to traditional credit reports, The PRBC Credit Agency reports on applicant’s payment habits as concerns other expenses and obligations in their lives including: Rent, Utilities, Mobile phone accounts.


The PRBC Consumer Report returns decision-critical information such as:

  • PRBC Score for alternative credit risk scoring
  • Alternative credit trade lines (i.e. rent, utilities, short term loans, etc.)
  • Banking inquiries
  • Positive and negative retail bank transaction items
  • Bank account closures
  • Bankruptcy, lien, judgment and eviction records
  • Real property ownership
  • Personal identifying information (i.e. SSN, DOB, DL number, aliases, phones)
  • Current and previous address history
  • Identity verification attributes


​About 100,000,000 Americans have little or no credit history on file with the traditional credit bureaus. Yet may of these people are responsible consumers with steady incomes. The PRBC Consumer Report allows businesses to pre-screen and evaluate often-overlooked potential customers. In doing so, your business can tap a huge potential market.

The PRBC Consumer Report is used by many industries including retail finance (furniture, jewelry), rent-to-own finance, buy-here-pay-here auto finance, tenant screening and residential service screening (security alarms, water delivery, etc.).  Learn More. 

ALTERNATIVE CREDIT SOLUTIONS FROM ORIGINATION TO COLLECTION

We market a complete suite of data products that support the entire finance process, from loan originations and background checks to fraud detection, collections and regulatory compliance. Access all Traditional and Alternative Market Risk Management Solutions through a single convenient online portal. POWERFUL data and decisioning tools instantly at your fingertips.  All products are built by our network provider's powerful combination of public, private and propriety data. 

Alternative Market Risk Management Solutions

Make smarter loan decisions, protect yourself from fraud and collect your money faster.

MLO NMLS #1086161 California and Minnesota - Approved-Inactive

Guitars - Financing - Recruiting - Credit Data - Business Loans - Point of Sale Systems - Invoice Factoring 

Guitars - Financing - Recruiting - Project Management