The Philippines actually doesn’t have a comprehensive national credit blacklist that you can directly access to see if you’re blacklisted. However, there are a few ways to get a sense of your creditworthiness:
1. Credit Report from the Credit Information Corporation (CIC):
- The CIC maintains a credit report on borrowers who have transacted with accredited lending institutions. This report includes your loan history, credit card usage, and payment behavior.
- You can request a copy of your credit report from the CIC website (https://www.creditinfo.gov.ph/) for a minimal fee.
- While the report won’t explicitly say “blacklisted,” it will show missed payments or defaults, which could negatively impact your credit score and future loan applications.
2. Bank Inquiry:
- You can approach the bank where you have a loan or credit card and inquire about your credit standing with them. They can inform you if you have any past due payments or accounts in default.
3. Alternative Credit Scoring Services:
- Some private companies in the Philippines offer alternative credit scoring services. These services gather data from various sources to create a credit score for you.
- While not the same as a CIC report, a low score from such services might indicate potential difficulty securing loans in the future.
4. Informal Blacklisting:
- There’s a possibility of being informally blacklisted by a particular bank or lending institution if you have a history of bad debt with them. This information might not be shared with other institutions, but it could affect your chances of getting approved for loans with that specific lender.
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