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The National Credit Reporting Association and PRBC(r) Join Forces to Help Consumers Build Alternative Credit Histories


WASHINGTON, Oct. 3 -- The National Credit Reporting Association (NCRA), a national trade organization of consumer reporting agencies that provide products and services to hundreds of thousands of credit grantors, today announced entering an agreement with PRBC(r), a national consumer reporting agency, to help consumers build a credit history with the recurring bills that they pay.

The agreement between the NCRA and PRBC gives NCRA’s national network of Members an exclusive opportunity to work with PRBC to verify historical housing and recurring bill payment histories, and to add that valuable data to the traditional credit reports that they sell to their millions of customers.

“It is estimated that more than 70 million Americans make rent, mortgage, and other recurring bill payments that are not reported to traditional credit bureaus. As a result these consumers often have lower credit scores than they should, and pay more for housing, credit, and insurance than they deserve”, said Terry Clemans, executive director of NCRA. “I am optimistic that through NCRA’s partnership with PRBC, we can help millions of formerly overlooked consumers to build their credit history and provide them with an opportunity for equal participation in the mainstream economy.”

“PRBC is very pleased to partner with NCRA and its Membership because of their professionalism, code of ethics, and especially because of their recognized expertise in verifying consumer credit histories and reporting to millions of users of traditional credit reports, said PRBC Chairman and CEO, Michael Nathans. ”I am optimistic that this historic partnership will provide an equal opportunity for millions of consumers who have low- or no-traditional credit scores to demonstrate their creditworthiness with the commonly recurring bills they pay, and to secure their financial futures"

Jennifer Tescher, director of The Center for Financial Services Innovation (CFSI), comments, “This program demonstrates how innovative, entrepreneurial partnerships can deliver positive results both for underbanked consumers and the financial services companies that serve them. We at CFSI appreciate and support NCRA’s and PRBC’s vision and commitment to improving access to credit and wealth-building opportunities for millions of responsible, underserved consumers.”

Contact: Terry Clemans, NCRA executive director, 630-539-1525; Matthew Vitko of PRBC(r), 410-280-0048 ext. 203.

Visit: NCRA at; PRBC at; CFSI at


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