Pay Bills on Time

Paying your bills on time is absolutely, positively the most important thing you can do. This allows you to do three things:
1	Establish and build your credit.
2	Improve your credit.
3	Maintain your good credit after you have built or improved it.

Traditionally, you build good credit by paying the following bills on time: • Credit cards • Mortgage • Installment loans (personal, car, student) New opportunities are beginning to become available, though, where you can build good credit by paying these other routine bills on time: • Rent • Utilities • Cable • Child care • Cell phone • Insurance • Payday loan repayments • Purchase payment plans (typically, non-bank financing)

You can establish credit on the PRBC Web site in two ways:
•	With bills you’ve already paid. You will need to show evidence that you paid these bills (receipts, invoices, monthly statements, canceled checks).
•	With bills you pay online through the PRBC Web site.

PRBC (Payment Reporting Builds Credit) is a credit-reporting agency that allows you to build your credit through evidence of paying routine monthly bills on time. Traditional credit reporting agencies are beginning to track these types of payments. But, for now, using PBRC is your best option to establish and build credit though on-time bill payment of routine monthly bills.

For more information on PRBC, visit www.prbc.com.