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 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:
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.
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.
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