Credit Information Corporation (CIC)—the country’s sole public credit registry and repository of credit information—is planning to enable the issuance of individual CIC Credit Reports through its Accessing Entities which are financial institutions authorized to access the CIC’s database.

In a survey conducted in the last quarter of 2021, over 50 Accessing Entities including rural banks, leasing companies, private financing companies, thrift banks, microfinance companies, universal banks, an insurance company, and a government financial institution, signified interest to enable their clients to access the CIC Credit Reports directly through them.

“We expect the direct-to-consumer (DTC) credit reports to further strengthen the agency’s mandate to provide Filipinos with immediate access to their credit information. This will also expedite the process of getting a credit report which is currently available only through CIBI Information Inc., one of our accredited credit bureaus,” CIC President and CEO Atty. Ben Joshua A. Baltazar said.

Benefits of DTC credit reports via accessing entities With the said plan, Accessing Entities, on behalf of their clients, may provide credit reports by directly accessing the CIC database or through their preferred Special Accessing Entity (SAE) or CIC’s accredited credit bureaus: CIBI Information, Inc. CRIF Philippines, and TransUnion Information Solutions Philippines. They are also being consulted on implementing appropriate internal procedures to ensure a safe and efficient process when issuing CIC Credit Reports to their individual clients.

They are also being consulted on implementing appropriate internal procedures to ensure a safe and efficient process when issuing CIC Credit Reports to their individual clients. CIC PCEO Atty. Baltazar underscored how access to CIC Credit Reports, especially during this pandemic, provides improved credit-decisioning and allows for an opportunity for accessing financial institutions to re-engage with their clients on the matter of creditworthiness and lending

“Apart from driving fresh consumer interest to their institution—be it physically or virtually—this “DTC through AE” initiative is an avenue for our Accessing Entities to engage their clients during this pandemic,” Atty. Baltazar added. Consumers who obtain a copy of their credit report through any of the CIC’s Accessing Entities can utilize the Online Dispute Resolution Process (ODRP) System to report any erroneous, incomplete, or outdated information or credit data. The plan is expected to be rolled out in the first quarter of 2022.


The Credit Information Corporation (CIC), a government-owned and controlled corporation, was created by Republic Act No. 9510, otherwise known as the Credit Information System Act (CISA). The primary mandate of CIC is to establish a comprehensive and centralized credit information system for the collection and dissemination of fair and accurate information relevant to, or arising from, credit and credit-related activities of all entities participating in the ecosystem

Source: The Credit Information Corporation (CIC)