MicroBilt is a consumer reporting agency that collects bill payment data, like rent, utilities, and phone plans, and sells reports and risk scores to smaller lenders. The CFPB describes it as collecting “recurring bill repayment data, such as monthly billing data from rent, utility, phone plans, car insurance, and streaming media subscriptions to generate consumer credit reports and risk scores for businesses that offer short term, rent-to-own, auto, retail and consumer finance lending” (CFPB). If a lender denied you and named MicroBilt, or you see it on your credit report, here’s what to know.
Key Takeaways
- MicroBilt reports bill payment data to short-term, rent-to-own, auto, retail, and consumer finance lenders.
- You can get one free MicroBilt report every 12 months by phone, form, or mail.
- MicroBilt requires a copy of your ID with report requests.
- You can dispute errors, place a free freeze or fraud alert, and opt out of prescreened offers.
- A MicroBilt file is separate from your Equifax, Experian, and TransUnion reports.
What Is MicroBilt?
MicroBilt is a specialty credit bureau that focuses on alternative data, especially recurring bills that don’t usually show up on traditional credit reports. In 2008, it acquired PRBC (Pay Rent Build Credit), an alternative credit bureau built around rent and bill payment history (American Banker).
Lenders that serve people with thin or damaged credit files use MicroBilt reports and scores alongside, or instead of, big-three reports. MicroBilt describes its databases as containing information reported by companies where people applied (MicroBilt). Our guide to secondary credit bureaus explains how MicroBilt fits with the others.
How to Get Your Free MicroBilt Report
MicroBilt provides one free report every 12 months on request (CFPB).
| Method | Details |
|---|---|
| Phone | 888-222-7621, or 800-884-4747 (option 5), Monday to Friday, 8:30 a.m. to 5 p.m. Eastern |
| Form | MicroBilt’s Consumer Report Request Form, on its consumer affairs page |
| MicroBilt, Attn: Consumer Affairs Department, P.O. Box 440693, Kennesaw, GA 30160 |
Contact details are from MicroBilt’s consumer affairs page as of October 2026.
How to Dispute Your MicroBilt Report
Send your dispute to the same address or call the same numbers. MicroBilt says it mails investigation results “usually within 30 days.” Like any consumer reporting agency, it must investigate for free and contact the company that supplied the information (15 U.S.C. 1681i).
Be specific about what’s wrong and include copies of documents that support your dispute, such as payment confirmations for a bill MicroBilt shows as late.
One limit to know: MicroBilt says it “is not able to inform you of specific reasons why you may have been denied credit, employment or housing.” The company that denied you made that decision, and it must tell you which consumer reporting agency it used and how to get your free report (15 U.S.C. 1681m).
Correcting your MicroBilt file doesn’t change your Equifax, Experian, or TransUnion reports. If the same error shows up there, dispute it with those bureaus and with the company that reported it. Here’s how credit bureaus investigate disputes.
MicroBilt Freeze, Fraud Alert, and Opt-Out
- Security freeze or fraud alert: request either by phone or by mailing MicroBilt’s form. MicroBilt says it doesn’t charge a fee.
- Opt-out: MicroBilt offers a free opt-out from prescreened offers and marketing.
A MicroBilt freeze applies only to MicroBilt. It won’t remove anything from your reports or force the big three to delete accounts. Here’s why freezing secondary bureaus doesn’t help disputes.
Frequently Asked Questions
Is MicroBilt a real credit bureau?
Yes. MicroBilt is a consumer reporting agency listed by the CFPB, and it must follow the Fair Credit Reporting Act.
Why does MicroBilt have information about me?
MicroBilt’s databases hold information reported by companies where you applied, along with bill payment data such as rent, utilities, and phone plans.
Does MicroBilt affect my credit score?
Your FICO Score and VantageScore from Equifax, Experian, and TransUnion are calculated from those bureaus’ data, not from MicroBilt. Lenders that use MicroBilt may use its own risk scores.
What is PRBC?
PRBC (Pay Rent Build Credit) was an alternative credit bureau that recorded rent and bill payments. MicroBilt acquired it in 2008.
What’s the Next Step?
Request your free MicroBilt report if a denial notice names MicroBilt or you use short-term or rent-to-own lenders. For errors on the reports most lenders use, pull your Equifax, Experian, and TransUnion reports and dispute there.
SmartDispute compares your three main reports side by side and drafts suggested disputes for each bureau and each reporting company, for you to review, change, and mail yourself. See how SmartDispute works.