FREE! Credit Builder

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Get credit for your bill pay transactions.
  • Build your payment history when you use AccountNow Bill Pay
  • Demonstrate your credit worthiness when applying for housing, credit, insurance, employment, and phone
  • It's simple – use AccountNow Bill Pay to pay all your bills such as rent, utilities, cable, insurance, and more
  • It's FREE when you activate AccountNow Bill Pay!
This is how it works:
  1. Activate AccountNow Bill Pay and add the FREE AccountNow Credit Builder service.
  2. Every time you make a bill payment with AccountNow Bill Pay, we will send your bill payment information to PRBC, a national credit reporting agency.
  3. Build a bill payment history to demonstrate your credit worthiness when applying for housing, credit, insurance, employment, phone, and utility hook-up by doing what you already to today - - paying your rent, electric, cable, insurance, and phone bills on time.
  4. Only Bill Pay transactions will be shared with PRBC. Regular debit transactions using your AccountNow Prepaid Visa Card will not be reported to PRBC.
PRBC – Payment Reporting Builds Credit
PRBC will compile your bill payment information and create a Bill Payment ScoreSM(BPSSM). PRBC is a credit reporting agency just like Experian, Trans Union, and Equifax, but it is the first to give consumers a choice and an equal opportunity to show that they pay their bills on time.

Also, unlike the other national credit bureaus, PRBC does not charge consumers to view their own data, and does not sell mailing lists. PRBC makes money by selling credit reports for "permissible purposes" under the Fair Credit Reporting Act, with a consumer’s authorization.

You will be able to log-in to PRBC.com, create a user name and password so you can review your personal file, add account information at any time -- all at no cost.


Who may use the PRBC information:
Home loan associations like Freddie Mac and Fannie Mae and Citicorp Mortgage use bill payment information as part of their decision making process for home loans.

Soon, other companies including auto loan, credit card, and insurance companies may start using Bill Payment Scores to comply with the Nation's Fair Housing and Fair Lending laws.

PRBC will only release your bill payment information with your permission to authorized PRBC subscribers who have a "permissible purpose" under the FAIR Credit Reporting Act to view it.

How can paying bills help qualify for a loan?
As an example, a consumer may be eligible for an FHA loan if that consumer can demonstrate they have 12-months of consecutive on-time bill payments that include a housing payment such as rent or a mortgage, and at least 3-other bills such as electric, cable and phone.

Credit Builder is an optional service that is made available to you at no additional cost as part of the AccountNow bill payment service. Credit Builder is only a service that provides your payment history to PRBC, a national credit reporting agency. Credit Builder does not improve or repair your credit record, credit history or credit rating. It also does not provide advice or assistance for the improvement or repair of your credit record, credit history or credit rating. For more information, see Credit Builder Terms and Conditions.




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AccountNow Prepaid Visa® card is issued by Palm Desert National Bank pursuant to a license by Visa® U.S.A., Inc.
If you sign up for Credit Builder, your bill pay transactions will be reported to PRBC®

*The USA PATRIOT Act is a Federal law that requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. You will be asked to provide your name, address, date of birth, and other information that will allow us to identify you. You may also be asked to provide documentation as proof of identification. Guaranteed Approval is contingent upon successfully passing this mandatory identification confirmation.

**Conditions and exceptions apply.

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