Your credit score is a statistical way of predicting how likely it is that you will repay a loan, such as a mortgage, that may be made to you.
A credit score is calculated by analyzing all the pieces of information in your credit record and summarizing them in a number. Your credit score will be used - along with your credit report and other information from your loan application - to determine whether you will get a loan. Your credit score also may be used to determine the interest rate you get on your loan.
We have made our service quick and easy for our clients. Once you get signed up for Bill Reporter we will issue you a "report my bills" card. With your new card you just make your payments. Either by mail, internet, or even over the phone. "Report my bills" will then contact PRBC to report a positive payment history, working to increase your credit score.
Sometimes you will run into creditors that do not accept credit card payments. If you have a creditor like that we can still help. Report my bills will send out checks or even wire transfer the money for you. Credit builder is great for people who have little credit, or bad credit. It allows our clients to report all monthly payments to PRBC, and build their credit using the payments they already make.
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"Thank you Academy Credit. Approximately 4 months ago, I started with you and found some discrepancies on my credit report. My credit rating is all ready starting to improve and go up! You have made my credit score much more accurate. I rarely write recommendation letters, but having good credit means everything in today's lifestyle."
