FREE! Credit Builder

• 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!

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 or MasterCard will not be reported to PRBC.

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.

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.

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.