MicroBilt

MicroBilt is a premier provider of alternative credit data, risk management, and consumer information services. As of 2026, its technical architecture has evolved into a high-concurrency, API-first ecosystem that bridges the gap between traditional credit reporting and the behavioral economy. It specializes in 'thin-file' and 'no-file' consumer segments, utilizing proprietary data from utilities, telecom, rental payments, and real-time bank account performance (Instant Bank Verification - IBV). Its platform serves a critical role for non-bank lenders, property managers, and debt collectors by providing a multi-dimensional view of consumer financial health. The MicroBilt Decisioning Engine uses machine learning to synthesize thousands of data points into actionable risk scores, such as the PRBC (Payment Reporting Builds Credit) score. This allows businesses to automate high-volume underwriting while maintaining strict FCRA compliance and robust security standards. Its 2026 positioning emphasizes seamless integration into modern loan management systems (LMS) and enterprise-grade identity orchestration workflows, making it a foundational component for global risk assessment.