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

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  • hsuson said:
    ehleesyan said:
    https://cibiapp.cibi.com.ph/

    Mayroong online platform si Cibi upang makita ang iyong credit report mula sa CIC.
    Online ang pag beripika ng mga gustong gumawa ng kanilang account - heto ang mga petsa na maaring piliin:



    mayroon na bang nakasubok nito?
    Nasubukan ko na, pero since sa SBC palang ako humuhugot ng credit record, wala pa akong record sa CIC (dahil hindi pa daw nag-start mag-submit ang SBC.

    Around 230 pesos per credit report (with credit score) generated. Sign up, set an schedule for "interview" (na parang 2 minutes lang) then you may start generating report.
    may bayad pala hehe
    try ko sana e pero saka na lang

    Transunion no bayad
    Any information po on how to request sa TransUnion via online? Thank you.
    Tagal ko na po naghahanap pero to no avail.
  • ehleesyanehleesyan PEx Moderator
    hsuson said:
    ehleesyan said:
    https://cibiapp.cibi.com.ph/

    Mayroong online platform si Cibi upang makita ang iyong credit report mula sa CIC.
    Online ang pag beripika ng mga gustong gumawa ng kanilang account - heto ang mga petsa na maaring piliin:



    mayroon na bang nakasubok nito?
    Nasubukan ko na, pero since sa SBC palang ako humuhugot ng credit record, wala pa akong record sa CIC (dahil hindi pa daw nag-start mag-submit ang SBC.

    Around 230 pesos per credit report (with credit score) generated. Sign up, set an schedule for "interview" (na parang 2 minutes lang) then you may start generating report.
    may bayad pala hehe
    try ko sana e pero saka na lang

    Transunion no bayad
    Any information po on how to request sa TransUnion via online? Thank you.
    Tagal ko na po naghahanap pero to no avail.

    Procedure

    To apply for your credit report from TransUnion by email:

    1. Download and fill the form. Please complete all sections clearly.
    2. Scan your two valid IDs.
    3. Take a selfie with your two valid IDs.
    4. Zip these documents into a password-protected file.
    5. Email the zip file and password to [email protected].

    It will take up to seven business days to receive your report
    We will call you to verify your request before we release your credit report.

  • alienman888alienman888 PEx Rookie ⭐
    ehleesyan said:
    hsuson said:
    ehleesyan said:
    https://cibiapp.cibi.com.ph/

    Mayroong online platform si Cibi upang makita ang iyong credit report mula sa CIC.
    Online ang pag beripika ng mga gustong gumawa ng kanilang account - heto ang mga petsa na maaring piliin:



    mayroon na bang nakasubok nito?
    Nasubukan ko na, pero since sa SBC palang ako humuhugot ng credit record, wala pa akong record sa CIC (dahil hindi pa daw nag-start mag-submit ang SBC.

    Around 230 pesos per credit report (with credit score) generated. Sign up, set an schedule for "interview" (na parang 2 minutes lang) then you may start generating report.
    may bayad pala hehe
    try ko sana e pero saka na lang

    Transunion no bayad
    Any information po on how to request sa TransUnion via online? Thank you.
    Tagal ko na po naghahanap pero to no avail.

    Procedure

    To apply for your credit report from TransUnion by email:

    1. Download and fill the form. Please complete all sections clearly.
    2. Scan your two valid IDs.
    3. Take a selfie with your two valid IDs.
    4. Zip these documents into a password-protected file.
    5. Email the zip file and password to [email protected].

    It will take up to seven business days to receive your report
    We will call you to verify your request before we release your credit report.

    ginawa ko to but upon checking wala daw sila makita record base sa details and ID that I sent.
    weird because i have 10cc including top5 cc issuers
  • NameUnavailableNameUnavailable PEx Rookie ⭐
    edited February 25 #345
    ehleesyan said:
    hsuson said:
    ehleesyan said:
    https://cibiapp.cibi.com.ph/

    Mayroong online platform si Cibi upang makita ang iyong credit report mula sa CIC.
    Online ang pag beripika ng mga gustong gumawa ng kanilang account - heto ang mga petsa na maaring piliin:



    mayroon na bang nakasubok nito?
    Nasubukan ko na, pero since sa SBC palang ako humuhugot ng credit record, wala pa akong record sa CIC (dahil hindi pa daw nag-start mag-submit ang SBC.

    Around 230 pesos per credit report (with credit score) generated. Sign up, set an schedule for "interview" (na parang 2 minutes lang) then you may start generating report.
    may bayad pala hehe
    try ko sana e pero saka na lang

    Transunion no bayad
    Any information po on how to request sa TransUnion via online? Thank you.
    Tagal ko na po naghahanap pero to no avail.

    Procedure

    To apply for your credit report from TransUnion by email:

    1. Download and fill the form. Please complete all sections clearly.
    2. Scan your two valid IDs.
    3. Take a selfie with your two valid IDs.
    4. Zip these documents into a password-protected file.
    5. Email the zip file and password to [email protected].

    It will take up to seven business days to receive your report
    We will call you to verify your request before we release your credit report.

    This is what I'm trying to do po, unfortunately yung number 1 palang, hindi ko na magawa dahil hindi ko mahanap yung form. Any idea where can I get the form?
  • groundzer0_groundzer0_ PEx Rookie ⭐
    edited February 25 #346
    I cannot seem to post links; Sabi sa error message "[I] have to ba around a little while longer before [I] can post links" so paki copy paste na lang sa browser: 

    solutions.transunion.com/international/philippines/personal-credit-report
  • I cannot seem to post links; Sabi sa error message "[I] have to ba around a little while longer before [I] can post links" so paki copy paste na lang sa browser: 

    solutions.transunion.com/international/philippines/personal-credit-report
    Thank you so much!
  • ehleesyanehleesyan PEx Moderator
    I cannot seem to post links; Sabi sa error message "[I] have to ba around a little while longer before [I] can post links" so paki copy paste na lang sa browser: 

    solutions.transunion.com/international/philippines/personal-credit-report
    Hi, as per checking, you might need to verify your email address in order to lift the restrictions on your account.

  • ehleesyanehleesyan PEx Moderator
    I cannot seem to post links; Sabi sa error message "[I] have to ba around a little while longer before [I] can post links" so paki copy paste na lang sa browser: 

    solutions.transunion.com/international/philippines/personal-credit-report
    Thank you for sharing the original link, i'll put this on the first page of this thread. +Vote up!
  • hsuson said:
    hsuson said:
    Also, re: credit utilization, for example, 100k CL ko then may binili ako worth 70k, pero binayaran ko yung 60k before dumating yung statement/end of billing cycle. Anong magiging credit utilization ratio ko, 70% ba o 10% na lang since 10k lang magaappear sa billing statement? Thanks!
    Most probably 10%
    Thank you! What if bayaran ko lahat, how will it affect my credit score kung laging 0% credit utilization kahit ginagamit lagi yung card, maaga lang magbayad?
    Just keep utilization under 30% to maximize your credit score, according to financial experts :)
    Can Someone explain what this mean? " Keep credit utilization under 30%" 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    hsuson said:
    hsuson said:
    Also, re: credit utilization, for example, 100k CL ko then may binili ako worth 70k, pero binayaran ko yung 60k before dumating yung statement/end of billing cycle. Anong magiging credit utilization ratio ko, 70% ba o 10% na lang since 10k lang magaappear sa billing statement? Thanks!
    Most probably 10%
    Thank you! What if bayaran ko lahat, how will it affect my credit score kung laging 0% credit utilization kahit ginagamit lagi yung card, maaga lang magbayad?
    Just keep utilization under 30% to maximize your credit score, according to financial experts :)
    Can Someone explain what this mean? " Keep credit utilization under 30%" 
    Huwag hihigit sa 30% ang gamit mo sa credit limit binigay ng bangko, Halimbawa kung 100k ang limit mo kung maaari hanggang 30k lang daw ang gamit  ito ang payo ng mga experto at paniniwala ng karamihan, may mga nagshared noon prior sa pandemic, mahigit 70% ang gamit nya CL lagi sya ontime at above minimum ang binabayaran nya, approve sya sa lahat CLI request at card application. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Syempre nayon pandemic marami na pagbabago.
  • cps_1998 said:
    hsuson said:
    hsuson said:
    Also, re: credit utilization, for example, 100k CL ko then may binili ako worth 70k, pero binayaran ko yung 60k before dumating yung statement/end of billing cycle. Anong magiging credit utilization ratio ko, 70% ba o 10% na lang since 10k lang magaappear sa billing statement? Thanks!
    Most probably 10%
    Thank you! What if bayaran ko lahat, how will it affect my credit score kung laging 0% credit utilization kahit ginagamit lagi yung card, maaga lang magbayad?
    Just keep utilization under 30% to maximize your credit score, according to financial experts :)
    Can Someone explain what this mean? " Keep credit utilization under 30%" 
    Huwag hihigit sa 30% ang gamit mo sa credit limit binigay ng bangko, Halimbawa kung 100k ang limit mo kung maaari hanggang 30k lang daw ang gamit  ito ang payo ng mga experto at paniniwala ng karamihan, may mga nagshared noon prior sa pandemic, mahigit 70% ang gamit nya CL lagi sya ontime at above minimum ang binabayaran nya, approve sya sa lahat CLI request at card application. 
    Ahhh Thank you so hindi rin pala maganda ang lahos maubos na ang limit mo pero babyaran din.
    is this the standard or depende din talaga sa credit score ng tao
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    cps_1998 said:
    hsuson said:
    hsuson said:
    Also, re: credit utilization, for example, 100k CL ko then may binili ako worth 70k, pero binayaran ko yung 60k before dumating yung statement/end of billing cycle. Anong magiging credit utilization ratio ko, 70% ba o 10% na lang since 10k lang magaappear sa billing statement? Thanks!
    Most probably 10%
    Thank you! What if bayaran ko lahat, how will it affect my credit score kung laging 0% credit utilization kahit ginagamit lagi yung card, maaga lang magbayad?
    Just keep utilization under 30% to maximize your credit score, according to financial experts :)
    Can Someone explain what this mean? " Keep credit utilization under 30%" 
    Huwag hihigit sa 30% ang gamit mo sa credit limit binigay ng bangko, Halimbawa kung 100k ang limit mo kung maaari hanggang 30k lang daw ang gamit  ito ang payo ng mga experto at paniniwala ng karamihan, may mga nagshared noon prior sa pandemic, mahigit 70% ang gamit nya CL lagi sya ontime at above minimum ang binabayaran nya, approve sya sa lahat CLI request at card application. 
    Ahhh Thank you so hindi rin pala maganda ang lahos maubos na ang limit mo pero babyaran din.
    is this the standard or depende din talaga sa credit score ng tao
    Oo hindi nga maganda.
    Pwede Standard, credit score at syempre tiwala na rin ng bangko based sa tenure ng card at payment history natin. 
  • May napanood ako na Documentary sa US.. nag compare comoare sila ng Credit Score , like Trans Union, Equifax etc. Iba iba ang scores ng mga tao. Iba is mataas sa TU sa Equifax bagsak siya. Sa TU malaki ang loan amount or credit na offer pero sa Equifax is maliit lang. Depende talaga sa members ng mga credit scores company.   
  • northkidnorthkid PEx Rookie ⭐
    Sa TU may score ako, sa CIBI wala.
  • hsusonhsuson Member PEx Expert 🎖️
    northkid said:
    Sa TU may score ako, sa CIBI wala.
    northkid said:
    Sa TU may score ako, sa CIBI wala.
    Great.

    Please share your score....:D


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