| Personal credit repair may be for you if you have | | | | view this report at anytime. Once you establish a |
| been noticing that your negative score has begun to | | | | timely payment pattern, it can be used to show your |
| affect your entire life with a negative impact. As you | | | | worthiness. Simply ask potential lenders to pull your |
| are now discovering, a poor rating damages more | | | | PRBC report. This company does charge a fee for |
| than just your ability to get a loan. It is time to do | | | | lenders who check this report so some potential |
| something to improve your beacon score. Payment | | | | creditors may not be willing to do so. |
| Reporting Build Credit, a national consumer reporting | | | | You will need to report your bill payments for a full six |
| agency and credit bureau, can help. | | | | months before you can be verified as having done so. |
| The PRBC provides you with the opportunity to prove | | | | Afterwards, they charge-sometimes a bit actually,for |
| you can be worthy of credit. If you pay your bills on | | | | each bill they verify as paid on time. They have |
| time, you can notify them and they report your bill | | | | package deals, for example, rent, utilities, phone and |
| payment info. They then take that info and produce a | | | | cable where fees are reduced for this service. |
| report that includes all of these timely payments, | | | | Your report can be used to verify your credibility to |
| including rent, utilities, insurance, and more. This can | | | | banks and other lenders, employers, landlords and |
| illustrate to prospective lenders that you can indeed | | | | other companies, helping you be more qualified and to |
| pay your bills in a timely and responsible manner. | | | | appear less risky than traditional reports would. |
| Most of your ordinary monthly bills can be included in | | | | If you're experiencing difficulties getting loans or jobs |
| this report. Of course rent and utilities, but perhaps also | | | | because of your credit score, a PRBC report could be |
| cable, phone, other loans, child support or day care | | | | of benefit to you. Though not all companies accept |
| payments-even loans from friends and family can be | | | | these reports, it is still useful, for those struggling with |
| reported. | | | | low scores, to show credit worthiness in a different |
| Once you're signed up and enrolled, you can start | | | | light. |
| reporting all the payments you make. It's also free to | | | | |