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PH Credit Score System & Credit Reporting Centers [BAPCB, CCAP, CIC, CMAP, TU, etc] | FAQ p.1

carlo_andrewcarlo_andrew PEx Veteran ⭐⭐
Here's what TransUnion suggests on how to improve your score:

1. You make your payments on time
You should do a great job in making all of your payments on time. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so keeping your record clean is a very positive factor.

2. You should not max out your credit limits
Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.

3. You should build a strong relationship with lenders
Lenders recognize that with higher credit limits comes increased responsibility, and that you have managed to build strong relationships with other lenders. Your relatively high credit limits signal to lenders that you are a trustworthy candidate for new lines of credit.

4. You should not spend beyond your means
You do not apply for a lot of new accounts. Having a lot of inquiries on your credit report worries lenders, because it is a sign that you may use credit and loans to supplement your income, and might be spending beyond your means.




As what TU suggests, the 30% credit utilization is nowhere indicated.
To simplify, factors that may affect your score are: 1) On time payments 2) Do not max out credit limit 3) Build strong relationship with other Banks 4) Do not spend beyond your means

+++


Credit Information Corporation (CIC)

The Credit Information Corporation (CIC) is a government-owned and controlled corporation that is envisioned to be the leading provider of independent, reliable and accurate credit information in the Philippines.

CiC was created in 2008 by virtue of Republic Act. No. 9510, otherwise known as the Credit Information System Act (CISA).
http://www.creditinfo.gov.ph
http://www.facebook.com/creditinfo.gov.ph/



TransUnion Philippines (TU)
We are a trusted provider of global information solutions for assessing and managing risk.

Information is a powerful thing. At TransUnion, we realize that and are dedicated to finding innovative ways information can be used to help individuals make better and smarter decisions. We help uncover unique stories, trends and insights behind each data point, using historical information, as well as alternative data sources. This allows for a variety of markets and businesses to better manage risk, and consumers to better manage their credit, personal information and identity. Today, TransUnion reaches consumers and businesses in more than 30 countries around the world on five continents. Through the power of information, TransUnion is working to build stronger economies and families, and safer communities worldwide. We call this Information for Good.

Learn more about our organization—our history, people and policies that help us create advantages for consumers and businesses in the Philippines and throughout Asia.

2011: TransUnion partners with some of the biggest banks in the Philippines—Bank of the Philippine Islands (BPI), Banco de Oro Unibank (BDO), Metrobank Card Corporation, HSBC and Citibank Philippines—to launch the country’s first comprehensive private credit bureau, strengthening the Philippine financial system through increased access to credit for borrowers and reduced risk to lenders.

As a credit bureau, TransUnion helps consolidate a credit information system and the collection and sharing of both positive and negative credit data. Only contributing TransUnion members (credit providers such as banks, financing companies, fintechs, utilities) are given access to credit information in the form of a credit report, consumer bureau score and additional value-added services.



Thanks for sharing the info @wavemaker!
as of August 7, 2019
https://www.transunion.ph/




CIBI Information Inc. (CIBI)
CIBI Information, Inc., also known as CIBI, is at the forefront of financial inclusion. By being the Philippines’ first and only Filipino credit bureau since 1982, CIBI is nurturing its expertise through its vast affiliation, effective methods and renowned credibility, validated by esteemed clients and recognized by the Philippine government.

Through its partnership with internationally-acclaimed consumer credit score and analytics providers, CIBI developed the country’s benchmark for globally-accepted credit scores that supports the financial growth of every Filipino locally and abroad.

.

CIBI knows every Juan better and aims to contribute in the growth of the economy by transforming the ‘unbanked’ into bankable individuals. Our credit scoring system is derived from robust local data that makes it an effective tool in supporting efficient credit channel facilities for financial institutions; easing loan application approvals; and helping the development of MSMEs.

CIBI is your local gateway for credit information and background checking services expertly designed to global standards. Because in transforming the life of every Filipinos, there is only one credit bureau you can trust

https://www.cibi.com.ph


MERGED WITH
CIC
Credit Utilization Ratio
Q: How do banks "grade" their possible customers (All Types of Loans)?
Credit Score System & Credit Reporting Institutions


Bankers and the like, you may provide actual feedback on how this works.
Considering you are a first time applicant, have all the requirements (and probably meant) for a loan/credit card. Is there a certain "scoring method" on you customers are graded and whether they will be approved or not?
- Let bad debts/ delinquent payers go. Obviously they won't approve having that kind of "disqualification."
This is also applicable sa mga CI - what are the odds na babagsak ka sa credit investigation - providing what you write in your application form is basically the same as what you say during the CI interview
---
Ang alam ko, pag narinig yung fillers, sometimes, declined na agad. Tama ba?
«13456716

Comments

  • ArkimanArkiman Artist PEx Expert 🎖️
    edited August 2019
    Here's what TransUnion suggests on how to improve your score:

    1. You make your payments on time
    You should do a great job in making all of your payments on time. The purpose of a credit score is to help lenders predict whether or not you will miss payments in the future, so keeping your record clean is a very positive factor.

    2. You should not max out your credit limits
    Credit cards are considered "maxed-out" when you have spent 90% or more of the credit limit. Lenders view you as someone who uses their credit responsibly and spends only what they can afford.

    3. You should build a strong relationship with lenders
    Lenders recognize that with higher credit limits comes increased responsibility, and that you have managed to build strong relationships with other lenders. Your relatively high credit limits signal to lenders that you are a trustworthy candidate for new lines of credit.

    4. You should not spend beyond your means
    You do not apply for a lot of new accounts. Having a lot of inquiries on your credit report worries lenders, because it is a sign that you may use credit and loans to supplement your income, and might be spending beyond your means.




    As what TU suggests, the 30% credit utilization is nowhere indicated.
    To simplify, factors that may affect your score are: 1) On time payments 2) Do not max out credit limit 3) Build strong relationship with other Banks 4) Do not spend beyond your means

    +++


    Credit Information Corporation (CIC)

    The Credit Information Corporation (CIC) is a government-owned and controlled corporation that is envisioned to be the leading provider of independent, reliable and accurate credit information in the Philippines.

    CiC was created in 2008 by virtue of Republic Act. No. 9510, otherwise known as the Credit Information System Act (CISA).
    http://www.creditinfo.gov.ph
    http://www.facebook.com/creditinfo.gov.ph/



    TransUnion Philippines (TU)
    We are a trusted provider of global information solutions for assessing and managing risk.

    Information is a powerful thing. At TransUnion, we realize that and are dedicated to finding innovative ways information can be used to help individuals make better and smarter decisions. We help uncover unique stories, trends and insights behind each data point, using historical information, as well as alternative data sources. This allows for a variety of markets and businesses to better manage risk, and consumers to better manage their credit, personal information and identity. Today, TransUnion reaches consumers and businesses in more than 30 countries around the world on five continents. Through the power of information, TransUnion is working to build stronger economies and families, and safer communities worldwide. We call this Information for Good.

    Learn more about our organization—our history, people and policies that help us create advantages for consumers and businesses in the Philippines and throughout Asia.

    2011: TransUnion partners with some of the biggest banks in the Philippines—Bank of the Philippine Islands (BPI), Banco de Oro Unibank (BDO), Metrobank Card Corporation, HSBC and Citibank Philippines—to launch the country’s first comprehensive private credit bureau, strengthening the Philippine financial system through increased access to credit for borrowers and reduced risk to lenders.

    As a credit bureau, TransUnion helps consolidate a credit information system and the collection and sharing of both positive and negative credit data. Only contributing TransUnion members (credit providers such as banks, financing companies, fintechs, utilities) are given access to credit information in the form of a credit report, consumer bureau score and additional value-added services.



    Thanks for sharing the info @wavemaker!
    as of August 7, 2019
    https://www.transunion.ph/




    CIBI Information Inc. (CIBI)
    CIBI Information, Inc., also known as CIBI, is at the forefront of financial inclusion. By being the Philippines’ first and only Filipino credit bureau since 1982, CIBI is nurturing its expertise through its vast affiliation, effective methods and renowned credibility, validated by esteemed clients and recognized by the Philippine government.

    Through its partnership with internationally-acclaimed consumer credit score and analytics providers, CIBI developed the country’s benchmark for globally-accepted credit scores that supports the financial growth of every Filipino locally and abroad.

    .

    CIBI knows every Juan better and aims to contribute in the growth of the economy by transforming the ‘unbanked’ into bankable individuals. Our credit scoring system is derived from robust local data that makes it an effective tool in supporting efficient credit channel facilities for financial institutions; easing loan application approvals; and helping the development of MSMEs.

    CIBI is your local gateway for credit information and background checking services expertly designed to global standards. Because in transforming the life of every Filipinos, there is only one credit bureau you can trust

    https://www.cibi.com.ph
  • ArkimanArkiman Artist PEx Expert 🎖️
    Excerpt from CIC news:
    Taguig City - The Credit Information Corporation (CIC) formally recognized six (6) financial institutions last December 18, 2015 for being the earliest to submit credit data to CIC’s Credit Information System. The financial institutions awarded by CIC are composed of six (6) credit card issuers namely: Metrobank Card, HSBC Philippines, East West Bank, UnionBank, RCBC Bankard, and Security Bank and one (1) cooperative, Taloy Norte Multi-Purpose Cooperative
  • CaiusCaius PEx Rookie ⭐
    edited June 2019

    Credit Reports In The Philippines — What You Need To Know


    Not getting approved for that new credit card? Got a bad rate on your personal loans? It probably has something to do with your credit history. Your credit history is the single biggest factor that affects the likelihood of you getting approved for loans or credit cards. It also affects the interest rates you get on the money you borrow — if you’ve got a good credit history, you’ll get the most favorable rates, but if you’ve got a bad one, you’ll get worse ones.

    Learn the basics of a Philippine credit report by reading on:

    What is a ‘credit history’ anyway?

    A credit history is an account of how you’ve used your credit over the years that shows your responsibility in repaying your debts. Banks use this history to determine whether you’ll be likely to make payments on time or not.

    There’s still no centralized credit reporting in the Philippines like there is in the US, where 300 is a bad credit score and 850 is the best. Because of this, “most big banks either rely on an internal database (record of past and existing clients’ handling of both lending and deposit accounts) or external sources,” says Alex Ilagan, executive director and spokesperson of the Credit Card Association of the Philippines (CCAP), in an email interview with iMoney Philippines. The most common external sources are the Bankers Association of the Philippines Credit Bureau or the CCAP C4 (Consolidated Cancelled Credit Cards) negative file.

    Back in September 2013, the Inquirer reported that the Credit Information Corporation (CIC), a centralized national credit bureau, was expected to start operating in December 2014. Jaime Garchitorena, president and CEO of CIC, said in an interview with ANC’s On the Money that the bureau should be up and running by the end of 2015/early 2016.

    Until then, there’s TransUnion, one of largest credit reporting agencies, which has been operating in the Philippines since 2011. They’re partnered with BPI, Banco de Oro, Metrobank, HSBC, and Citibank. The partnership created a centralized credit-information system that collects credit data. However, according to Ilagan, “the cost is very prohibitive and access is limited to member banks only,” meaning that banks who have not partnered with TransUnion don’t have access to the reports they provide.

    What goes into your credit report?

    At its launch in 2011, TransUnion East Asia’s president said that they had “started to gather personal information on credit card borrowers, their educational background, credit record, employment history and other data that would allow banks and financial institutions to manage risks associated with lending,” according to Business Mirror.

    Your credit history with TransUnion has the following sections:

    • Consumer-identifying information such as name and government-issued identification number
    • Account histories of your bill-paying record with credit grantors
    • Public records of items that may affect your creditworthiness, including bankruptcies, tax liens and court judgments
    • Consumer statement of data in your credit history that you have disputed
    • Inquiries, which list the companies that have requested your credit history

    TransUnion gets this data from its partner institutions as well as public records. Partner banks can request TransUnion’s information, and along with your other records, they use that information to make decisions. However, an agency like TransUnion doesn’t make credit decisions — that’s 100% up to the banks themselves — they just give information.

    How do banks use your credit report?

    For example, you’ve taken out a loan with Bank A, and they’re partnered with a credit reporting agency. Bank A will report your payment activity with them, and the agency keeps a record of these reports.

    When you go to Bank B to open a new credit card, they’ll request a copy of your report from the agency (if Bank B is partnered too) so they can see your past credit and payment history, which will include your loan and payment activity with Bank A. Bank B will then use this information to decide whether to approve you for a credit card or not.

    If you’re on time with all your payments and you don’t have too much debt already, great! Bank B will approve you because you’re probably a good credit risk. If you’ve missed many payments or have taken out a lot of loans from different banks, Bank B will be less likely to approve you because you’re probably a bad credit risk.

    How can you have a good credit history?

    • Start building a good credit history early. Having a credit card and making regular payments on it is one of the easiest ways to build your credit history and reassure banks that you’re a good credit risk. Check out these starter credit cards and start building your credit history ASAP. But you have to be disciplined and pay it off every month (or at least a huge chunk of it so you lessen the interest you have to pay).
    • Don’t miss payments. “A good credit history consists of a track record of several years with no missed payments on due date,” Ilagan says. Paying on time is one of the biggest contributors to your credit score. Simply making payments on time will have a good impact on your history.
    • If you’ve missed payments, get back on track. Sometimes, missing payments is unavoidable. But catch up with payments as soon as you can to lessen the bad effect it has on your credit history. According to Ilagan, if your overdue accounts don’t exceed 30 days, “this is usually interpreted that missed payments were unintentional, forgot the due date or did not receive billing statement on time,” and your credit history will remain good.
    • Keep debts low. Having a lot of revolving debt reflects badly on your credit history. Reduce your debts — in the US, it’s recommended that you keep your debt-to-credit ratio at 30%. Meaning, if your credit limit is P100,000, your balance should be P30,000 or less.
    • Keep all of the good work up. Having a good credit history isn’t a quick fix. You’ll need to be consistent, and to keep up your good credit behavior over many years.
    Source: https://www.imoney.ph/articles/credit-report-philippines/
  • ArkimanArkiman Artist PEx Expert 🎖️
    Caius wrote: »
    Mystery solved, kaya pala biglang tawag sakin si Easwest at nag Offer ng Upgrade ng Card at CL, nasilip na ang record ko sa metrobank, what if kung makita pa nila record ko sa BDO and Citibank baka manliit lalo sila, :lol:
    Exactly anong iniisip ko hehe
    So we expect more cl increase magtatapatan sila? of more pre-approved cc? Will see, 2017 pa maging fully implemented ito
  • CaiusCaius PEx Rookie ⭐
    edited August 2019
    TransUnion Information Solutions, Inc.
    27th Floor, Unit AB
    Tower 1, Ayala Triangle
    Ayala Avenue
    Makati City, 1226, Philippines

    Tel: +632 858 0400

    CIC
    5th Floor Exchange Corner Building
    VA Rufino corner Esteban and Bolanos Streets 
    Legaspi Village, Makati City
  • ArkimanArkiman Artist PEx Expert 🎖️
    Caius wrote: »
    Possible talaga mag tapatan sila kuya arki, kung hindi magtapatan, triple ang itataas nila sa card na madalas mo ginagamit, mabuti nadin siguro may CIC para hindi pahirapan sa pag Request ng CL or pag apply ng dream cards hehe, yung ibang bank kasi pag nagrequest ka CLI i declined ka pa which is hindi nila alam na sila na pala ang napag iiwanan when it comes sa CL ng existing CCs mo, if CIC will fully implemented, Pagandahan nalang sila siguro ng PROMOS kasi magtatapatan na sila sa CL, :lol:


    AND CORRECT ME IF IM WRONG, NA-SESENSE KO LANG TO,

    Kapag fully implemented na yang CIC na yan, Yung mga Elite Cards ng bank, like Visa Prestige, World Elite, ETC, madali nalang maka kuha, they need to be competitive lalo na kung ang card holder ay maganda ang record, kung maganda ang record mo, sila na talaga ang mag hahabol sayo, tulad nalang ni Eastwest, nag habol na sakin nung nasilip ang record ko sa Metrobank, Pero di ko padin sure ha, pwedeng mali ang na-sesense ko, :lol:
    Anyway may sense din posible din, yan mga benefits makukuha naten dito mas maraming offer,mas maraming access sa utang hehe
    pero mostly affected dito yung mga nagdefault,I think mas lalo lang mahihirapang magapply for a loan kasi kitang kita na nila agad sa evaluation unlike before may mga nakakalusot pa kaya be responsible na lang sa paggamit ng mga cc
  • CaiusCaius PEx Rookie ⭐
    edited September 2019
    You may now get a copy of your CIC Credit Report



    How?

    To get a copy of your CIC Credit Report, just visit the CIC Website www.creditinfo.gov.ph and:

    1. Choose Services
    2. Click Schedule an Appointment
    3. Read the Terms and Conditions to Access and click “I Agree with the Terms & Conditions”
    4. Select Date of Appointment
    5. Provide personal information as needed
    6. Download and print the application form

    Do I need to personally visit the CIC Office?
    Yes. CIC Conducts a Know Your Customer (KYC) process to ensure the safety of your credit data.

    What do I need to bring on my Appointment?
    On the day of your appointment, you will need to bring the following:
    1. Two (2) valid IDs.
    2. Your printed application form.

    Your CIC Credit Report will be sent through the e-mail you’ve used in scheduling your appointment.

    How much does a CIC Credit Report Cost?
    The CIC Credit Report costs PHP 55.00 (VAT inclusive)

    How can I report erroneous data from my CIC Credit Report?
    You may file a dispute online. To file any erroneous data found on your CIC Credit Report, visit the CIC website www.creditinfo.gov.ph and click Dispute

    How much does filing a dispute cost?
    Filing a dispute has no cost.

    Where is the CIC Office located?
    The CIC Office is located at 6th Floor, Exchange Corner Building, 107 V.A. Rufino Street corner Esteban Street, Legaspi Village, Makati City. 

    Shared from: https://www.facebook.com/pg/creditinfo.gov.ph/photos/?tab=album&album_id=2465805586839840&__tn__=-UC-R

  • ArkimanArkiman Artist PEx Expert 🎖️

    Hmmmm credit report? Any insight guys
  • ArkimanArkiman Artist PEx Expert 🎖️

    Sample ng credit report
    Taken from CIC official website.

    Sorry di nakaarrange pagkaupload.
  • piquanteyepiquanteye Member PEx Expert 🎖️
    edited January 23
  • piquanteyepiquanteye Member PEx Expert 🎖️
    edited July 2018

    Can I request for my credit score or credit rating?

    Credit Information Corporation's (CIC) mandate is to act as a central registry only of basic positive and negative credit data of different financial institutions identified as submitting entities. We have accredited 4 Special Accessing Entities or SAEs (CIBI, Compuscan Philippines, CRIF Philippines, TransUnion Philippines) you can choose from who offer value added services like credit scoring, rating, etc. Our comprehensive credit report will serve as their main source of credit data. 

    Credit report, however, will be available this 2018. 


    as far as I can remember Equifax can provide credit history ng libre sa US. paano kaya dito sa Pinas?

    sa US may bayad yung mga addon like credit scoring and rating. pati yung fraud alert.

  • piquanteyepiquanteye Member PEx Expert 🎖️

    How can I clear or fix my negative record?

    Submitting entities such as banks, financing companies, cooperatives, etc. submit their clients' basic positive and negative credit data to CIC. Our agency's mandate is to serve as a central registry only. Thus, this means that for a negative record to be removed, it is the submitting entity’s obligation to reflect your updated record in their submitted monthly report. 

    Note that CIC does not have the authority to change, update, or modify an individual's record. It is the submitting entities' obligation to report and update the records of their clients to the agency. 

  • pokemonaddictpokemonaddict PEx Influencer ⭐⭐⭐
    edited September 2019
    You may now get a copy of your CIC Credit Report



    How?

    To get a copy of your CIC Credit Report, just visit the CIC Website www.creditinfo.gov.ph and:

    1. Choose Services
    2. Click Schedule an Appointment
    3. Read the Terms and Conditions to Access and click “I Agree with the Terms & Conditions”
    4. Select Date of Appointment
    5. Provide personal information as needed
    6. Download and print the application form

    Do I need to personally visit the CIC Office?
    Yes. CIC Conducts a Know Your Customer (KYC) process to ensure the safety of your credit data.

    What do I need to bring on my Appointment?
    On the day of your appointment, you will need to bring the following:
    1. Two (2) valid IDs.
    2. Your printed application form.

    Your CIC Credit Report will be sent through the e-mail you’ve used in scheduling your appointment.

    How much does a CIC Credit Report Cost?
    The CIC Credit Report costs PHP 55.00 (VAT inclusive)

    How can I report erroneous data from my CIC Credit Report?
    You may file a dispute online. To file any erroneous data found on your CIC Credit Report, visit the CIC website www.creditinfo.gov.ph and click Dispute

    How much does filing a dispute cost?
    Filing a dispute has no cost.

    Where is the CIC Office located?
    The CIC Office is located at 6th Floor, Exchange Corner Building, 107 V.A. Rufino Street corner Esteban Street, Legaspi Village, Makati City. 

    Shared from: https://www.facebook.com/pg/creditinfo.gov.ph/photos/?tab=album&album_id=2465805586839840&__tn__=-UC-R




  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    CIBI Information, Inc. is the Philippines first and only Filipino credit bureau since 1982,  the trusted data source expert, and the only local bureau accredited as Special Accessing Entity of the Credit Information Corporation. FICO Score is the global standard in credit scoring and the world leader in analytic solutions for customer engagement since 1956.

    http://www.cibi.com.ph

    I tried requesting a copy of my credit score and credit history with them and this is what they responded below:


  • hsusonhsuson PEx Influencer ⭐⭐⭐
    edited July 2018
    Wow galing. Pati installment, vehicle loan and mortgage sa real estate eh makikita din ng bank. So kung may insurance, for sure makikita din yun noh? 


    Pati sa Meralco, Maynilad, Globe, Smart. 

    Even Palawan Pawnshop.  No kidding.
  • piquanteyepiquanteye Member PEx Expert 🎖️
    edited July 2018
    ito din kaya gamit ng BDO to bg check?
  • hjpotterhjpotter PEx Rookie ⭐
    Please be advised that request for a copy of Credit Reports is a multi-stage process that includes as follows:


    1. Scheduling an appointment online through the CIC Online Appointment Scheduler ("CICOAS") with the link: www.creditinfo.gov.ph/appointment

    2. Appearing in person in CIC at the scheduled time

    3. Validating the Applicant’s identity using government issued identification cards and other methods as may be determined by the CIC

    4. Drawing of the Credit Report

    5. Additional validating of the Applicant’s identity once the Credit Report has been drawn

    6. Receiving of the Credit Report via e-mail


    Also, kindly note that the CIC does NOT give Credit Scores but only Credit Reports. Credit scoring is a value-added service that is offered by our accredited credit bureaus, namely: CIBI Information Corporation, Compuscan Philippines Inc., CRIF Philippines, and Transunion Information Solutions Philippines.

  • hsusonhsuson PEx Influencer ⭐⭐⭐
    Transunion is Free, just go to their Makati office.

    Credit score included.
  • IronHandofJusticeIronHandofJustice Member PEx Guru 🎖️🎖️
    magandang araw po.

    tatanong ko lang kung papano talaga ang computation ng credit utilization ratio. base sa mga nabasa ko ay credit card balance divided by credit limit. what if meron akong credit limit na 12k tapos nag avail ako ng 12k na cash loan (credit2cash, cash2go) or installment na payable in 12months at say ang monthly is 1k. since ang sabi ay credit card balance divide credit card limit ibig bang sabihin ay (1k / 12k) * 100 = 8.33%? or (12k / 12k) * 100 = 100%?

    gusto kong malaman kng total usage or statement balance lang
    You have 100% utilization. Remember that your purchase is being deducted in full by the time they swiped your card.
  • lenerd3000lenerd3000 PEx Influencer ⭐⭐⭐
    magandang araw po.

    tatanong ko lang kung papano talaga ang computation ng credit utilization ratio. base sa mga nabasa ko ay credit card balance divided by credit limit. what if meron akong credit limit na 12k tapos nag avail ako ng 12k na cash loan (credit2cash, cash2go) or installment na payable in 12months at say ang monthly is 1k. since ang sabi ay credit card balance divide credit card limit ibig bang sabihin ay (1k / 12k) * 100 = 8.33%? or (12k / 12k) * 100 = 100%?

    gusto kong malaman kng total usage or statement balance lang
    You have 100% utilization. Remember that your purchase is being deducted in full by the time they swiped your card.
    thanks lodi Iron. kala ko pa naman statement balance lang
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