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

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  • wavemakerwavemaker PEx Rookie ⭐
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    What is the highest score in the Philippines? Sa US kasi ang highest score ay 850. Ang score mo ay 851 so lampas na sa highest score sa US.
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    rickart said:
    rickart said:
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    Paano magrequest ng credit report? Kailangan ba tumawag at magrequest or pwede pumunta na lang dun without calling.
    Punta ka lang sa TransUnion office during weekdays between 9 AM and 5 PM. No need to set an appointment. Basta magdala ka ng valid IDs, at least 3. 
    Ang dami naman Valid IDs. Kaloka! I have my UMID and Passport lang. Pwede na kaya company ID?
    Kailangan mong mag-iwan ng ID sa entrance ng building then you need to provide 2 IDs sa mismong TransUnion. Pwede ang company ID sa entrance.
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    edited August 2019 #44
    wavemaker said:
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    What is the highest score in the Philippines? Sa US kasi ang highest score ay 850. Ang score mo ay 851 so lampas na sa highest score sa US.
    Between 850 and 900 ang best score. :)
  • ehleesyanehleesyan PEx Moderator
    rickart said:
    rickart said:
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    Paano magrequest ng credit report? Kailangan ba tumawag at magrequest or pwede pumunta na lang dun without calling.
    Punta ka lang sa TransUnion office during weekdays between 9 AM and 5 PM. No need to set an appointment. Basta magdala ka ng valid IDs, at least 3. 
    Ang dami naman Valid IDs. Kaloka! I have my UMID and Passport lang. Pwede na kaya company ID?
    Ang pinaka requirement ay:
    2 Government Issued ID - to be used for TransUnion
    1 Valid ID (pwede na rito ang Company ID) - iiwanan mo sa Guard.
  • rickartrickart 🏹 Archer Squad🥉
    Ayun. Clear na kung bakit tatlo kailangan. Lol. 
  • akositunyingakositunying PEx Rookie ⭐
    ehleesyan said:
    At the moment..  😉

    Waiting na lang sa report...


    Ilang minuto/oras inabot mo? :)
    Mga 15 to 20mins lang. 😊
  • hsusonhsuson Member PEx Expert 🎖️
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    Wow 851 galing.

    How low is your Credit Utilization?
  • akositunyingakositunying PEx Rookie ⭐
    dayeph said:
    Nakuha ko na mga lodi.. 😊👍

    may bayad ba yan?


    -- free po sa ngayon. 😊
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    hsuson said:
    I also went to TransUnion last week to get my credit report. Mabilis lang ang proseso and it only took 15 minutes to generate and print the report. Nashock nga ako sa credit score ko kasi 851 sya and I am categorized as "Very Low Risk". Makikita sa report ang mga open and closed accounts for both secured and regular credit cards.
    Wow 851 galing.

    How low is your Credit Utilization?
    Around 10% to 30%. 
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    cps_1998 said:
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
    Hindi yata pero nasa reports ang data ng BDO, Metrobank, HSBC, Citi, RCBC Bankard, BPI, Eastwest, Security Bank, at Unionbank. May isang page sa credit report regarding bank enquiries kung saan nireview ng bangko ang data at credit score mo like when you are applying for a new credit card. Napansin ko nandun ang Robinsons Bank. 
  • BoyPutoBoyPuto PEx Rookie ⭐
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    cps_1998 said:
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
    Hindi yata pero nasa reports ang data ng BDO, Metrobank, HSBC, Citi, RCBC Bankard, BPI, Eastwest, Security Bank, at Unionbank. May isang page sa credit report regarding bank enquiries kung saan nireview ng bangko ang data at credit score mo like when you are applying for a new credit card. Napansin ko nandun ang Robinsons Bank. 
    Ooh thanks for additional info.kung ganyan every quarter may mga changes sa score kung may mga bagong updates like nag apply tayo ng bagong CC, loan or late payments.
  • BoyPutoBoyPuto PEx Rookie ⭐
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
    Bakit kaya hindi kaya sa credit reports yung telecom postpaid bills?
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    Hindi pa yata sakop ang utilities bill.
    AEON at Home credit kaya?
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    cps_1998 said:
    cps_1998 said:
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
    Hindi yata pero nasa reports ang data ng BDO, Metrobank, HSBC, Citi, RCBC Bankard, BPI, Eastwest, Security Bank, at Unionbank. May isang page sa credit report regarding bank enquiries kung saan nireview ng bangko ang data at credit score mo like when you are applying for a new credit card. Napansin ko nandun ang Robinsons Bank. 
    Ooh thanks for additional info.kung ganyan every quarter may mga changes sa score kung may mga bagong updates like nag apply tayo ng bagong CC, loan or late payments.
    It looks like every month may changes sa score since monthly nagsusubmit ang mga banks sa TransUnion. Sabi nung staff na nag explain sa akin ng credit report ko, consistent dapat ang pagbabayad on time, at hindi minamax out ang credit limit.
  • cps_1998cps_1998 Member PEx Icon 🎖️🎖️🎖️
    cps_1998 said:
    cps_1998 said:
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
    Hindi yata pero nasa reports ang data ng BDO, Metrobank, HSBC, Citi, RCBC Bankard, BPI, Eastwest, Security Bank, at Unionbank. May isang page sa credit report regarding bank enquiries kung saan nireview ng bangko ang data at credit score mo like when you are applying for a new credit card. Napansin ko nandun ang Robinsons Bank. 
    Ooh thanks for additional info.kung ganyan every quarter may mga changes sa score kung may mga bagong updates like nag apply tayo ng bagong CC, loan or late payments.
    It looks like every month may changes sa score since monthly nagsusubmit ang mga banks sa TransUnion. Sabi nung staff na nag explain sa akin ng credit report ko, consistent dapat ang pagbabayad on time, at hindi minamax out ang credit limit.
    I see, thanks.  :)
  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    cps_1998 said:
    Hindi pa yata sakop ang utilities bill.
    AEON at Home credit kaya?

    BoyPuto said:
    BoyPuto said:
    Nakita ko yung sample report, nakikita dn pala don kung SCC yung card mo
    Yes, both secured and unsecured/regular credit cards ay nasa report. Nakalagay din ang outstanding balance, status ng card, and all relevant details. Yung Fast Track secured card ko from Security Bank nakalista dun with notation na "Voluntary Closed" meaning si customer/client ang nagrequest ng cancellation tapos "000" na notation which means OK ang payment history with no outstanding balance.
    Bakit kaya hindi kaya sa credit reports yung telecom postpaid bills?
    Wala sa report ang mga telecom postpaid accounts. In the future daw, maiintegrate na rin.

    Not sure about loans kasi wala akong existing loan. Wala rin akong AEON at Home Credit. Credit card data lang ang nasa report ko.

  • im.an.emo.kidim.an.emo.kid PEx Influencer ⭐⭐⭐
    cps_1998 said:
    cps_1998 said:
    cps_1998 said:
    Mga master curious lang ako, kung hindi member ang bank sa TU lalabas ba ang details ng credit card at payment history report?
    Hindi yata pero nasa reports ang data ng BDO, Metrobank, HSBC, Citi, RCBC Bankard, BPI, Eastwest, Security Bank, at Unionbank. May isang page sa credit report regarding bank enquiries kung saan nireview ng bangko ang data at credit score mo like when you are applying for a new credit card. Napansin ko nandun ang Robinsons Bank. 
    Ooh thanks for additional info.kung ganyan every quarter may mga changes sa score kung may mga bagong updates like nag apply tayo ng bagong CC, loan or late payments.
    It looks like every month may changes sa score since monthly nagsusubmit ang mga banks sa TransUnion. Sabi nung staff na nag explain sa akin ng credit report ko, consistent dapat ang pagbabayad on time, at hindi minamax out ang credit limit.
    I see, thanks.  :)
    You're welcome! By the way, your 2-year payment history is an influential factor that affects your score.
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