Denied credit because of a MicroBilt report?

Who MicroBilt is and who relies on its reports

MicroBilt Corporation sells data, verification and analytics products to businesses in banking, lending, insurance, property management and other industries. On the consumer side, the CFPB’s list of consumer reporting companies says MicroBilt collects recurring bill payment data, such as rent, utility, phone, car insurance and streaming subscription payments, and uses it to create consumer credit reports and risk scores. Its customers for those reports include lenders offering short-term, rent-to-own, auto, retail and consumer finance loans.

That model is aimed at people who may not have much of a traditional credit history. It also means a MicroBilt report can decide whether you get a car loan or a rent-to-own lease even if your Equifax, Experian and TransUnion reports are clean. Many consumers do not know MicroBilt has a file on them until they are turned down.

Errors that show up on MicroBilt reports

Bill payment data passes through landlords, utilities, phone carriers and other companies before it reaches a report. Problems that can follow include:

• Late payments that were not late. On-time rent or utility payments recorded as missed.
• Wrong-person records. Another consumer’s payment history attached to your name, address or Social Security number.
• Identity theft. Accounts opened by someone else in your name.
• Bad scores from bad data. A risk score dragged down by inaccurate records.
• Rubber-stamp disputes. MicroBilt says it contacts the reporting company to verify disputed items. If the furnisher simply confirms its own data without looking, the error can stay.
• Obsolete items. Negative information older than the FCRA allows.

How to get your MicroBilt file and dispute it

MicroBilt’s official Consumer Affairs page sets out its process:

1. Request your report. MicroBilt says you can get free copies of your report from its databases, plus a free copy after an adverse action such as a declined application. You can mail its Consumer Report Request Form or request by phone. MicroBilt asks for your full name, address, Social Security number, prior addresses from the last five years, and identification. It says reports are usually mailed within 15 days of receiving your request and documentation.
2. Dispute what is wrong. MicroBilt says disputes are free and can be made using its Consumer Dispute Form, in writing, or by phone. Include the specific items you dispute, why they are wrong, the correct information, and supporting documents.
3. Watch the clock. MicroBilt says dispute results are usually mailed within 30 days and that unverified or inaccurate information may be deleted or modified.
4. Dispute with the source too. The CFPB advises disputing with both the reporting company and the company that supplied the information.
5. Freeze if needed. MicroBilt says you can request a security freeze, fraud alert or active duty alert at no fee. Those apply only to MicroBilt’s files.

MicroBilt also notes that it cannot tell you the specific reasons a lender, employer or landlord denied you. That explanation has to come from the company that made the decision, in its adverse action notice.

Your rights under the FCRA

• Accuracy (15 U.S.C. § 1681e(b)). MicroBilt must follow reasonable procedures to assure maximum possible accuracy of the information in its reports and the data behind its scores.
• Reinvestigation (§ 1681i). After you dispute, MicroBilt must conduct a reasonable reinvestigation, free of charge, generally within 30 days, notify the furnisher, and correct or delete information that is inaccurate, incomplete or cannot be verified. Forwarding your dispute and accepting the furnisher’s answer without more is not always enough.
• File disclosure (§ 1681g). You may see all information in your file and its sources.
• Free disclosures (§ 1681j). You are entitled to a free copy within 60 days after an adverse action notice. The CFPB reports that MicroBilt also provides one free report every 12 months on request.
• Reporting time limits (§ 1681c). Most adverse information older than seven years may not be reported.
• Adverse action notice (§ 1681m). A lender that denies you or offers worse terms based on a MicroBilt report must name MicroBilt and explain your right to a free copy and to dispute.

What you may recover

For a negligent violation, you may recover your actual damages, such as a lost loan or lease, higher costs of credit, and emotional distress, plus attorney’s fees and costs (15 U.S.C. § 1681o). For a willful violation, you may recover actual damages or statutory damages of $100 to $1,000, punitive damages, and fees and costs (§ 1681n).

Get a free case review

If a MicroBilt report cost you credit and the company would not fix it, do not wait too long. An FCRA lawsuit generally must be filed within two years after you discover the violation and no later than five years after it occurred (15 U.S.C. § 1681p). FCRA Attorneys represents consumers in federal court on contingency, so there is no fee unless we win. Contact us for a free case review, or see our FCRA practice and the other companies we cover.

Questions about suing MicroBilt

Can I sue MicroBilt?

Yes, if the facts support a claim. MicroBilt produces consumer reports and risk scores for lenders, which makes it a consumer reporting agency under the FCRA. If it reports inaccurate information without reasonable procedures, or fails to reasonably reinvestigate your dispute, you may have a claim.

Why would a lender use MicroBilt instead of a credit bureau?

According to the CFPB, MicroBilt builds reports and risk scores from recurring bill payment data such as rent, utilities, phone plans, car insurance and streaming subscriptions. Lenders offering short-term, rent-to-own, auto, retail and consumer finance loans use those reports, often alongside or instead of a traditional credit report.

How do I get my MicroBilt report?

MicroBilt's Consumer Affairs page says you can get free copies of your report from its databases by mailing its request form or by phone, and that reports are usually mailed within 15 days of receiving your request and documentation.

What does it cost to bring a case?

There is no fee unless we win. FCRA Attorneys handles these cases on contingency, and the FCRA lets a successful consumer recover reasonable attorney's fees and costs from the company.

Sources

• CFPB consumer reporting companies list: MicroBilt (recurring bill payment data; reports and risk scores for lenders; free annual report and freeze)
• MicroBilt Consumer Affairs page (report requests, disputes, freezes, opt-outs, timelines)

Updated November 2026. This page is general information, not legal advice.