Established since November 2007, Vietnam Credit Information Joint Stock Company – PCB was determined to become the first world-class credit bureau in Vietnam.  PCB was formed by 11 commercial banks in Vietnam. The founding members cooperate with other financial institutions and government institutions to establish and operate the credit bureau.

With the support and advice of International Finance Corporation (IFC), PCB officially selected CRIF – the leading provider of credit information solutions in Europe – as its strategic partner. CRIF started the cooperation with PCB by delivering the Credit Bureau platform and covering the role of strategic partner. Increasingly CRIF became more and more involved on the daily management and also grew in terms of shareholder participation. Both CRIF and PCB demonstrated a top-level approach to the market by “doing what has been promised” at any stage shared with prospects and ultimately with clients.

On 25/02/2013, the State Bank of Vietnam officially granted PCB the Certificate of Eligibility for Credit Information Operation. In only 3 years, PCB has already become the leading Credit Management Service Provider in Vietnam.

Up to present, due to the high demand in the Vietnamese market on our services, PCB not only provides Credit Report but also added-value services such as Credit Bureau Scoring, Skip Tracing, Benchmarking Report, No-Hit Score and Portfolio Management services.


PCB credit report includes 2 main parts of informationBorrower Information and Borrower credit information. PCB provides creditors full-fledged credit reports that they are interested in during the process of assessing borrower. Analyzing credit risk and credit-worthiness of borrower is divided into several steps, and each type of information can be used to achieve specific purposes.  


A credit bureau scoring system is a credit risk assessment tool which analyzes and summarizes all the historical files for each consumer or small business that is reported to the credit bureau. Given the evolutionary process of a credit bureau, CRIF together with PCB has designed a path to integrate the credit bureau with the credit bureau scoring system depending on data and market maturity.


In order to assist Financial Institutions in connecting with their customers, thereby speeding up the processing time, debt recovery, PCB offers a solution to provide borrower information in batches with the purpose of updating personal / business data for Financial Institutions. Customer information includes personal phone number history, address history and identification documents (other identity cards, passports, military cards, etc.) of the individual and enterprise. In addition, this information enrichment tool can be used for other internal activities of the Financial Institution, such as updating and synchronizing customers’ contact information to the Ministry. Customer relationship (CRM), or customer classification based on demographic information, etc.


From the demand for financial information in the market and the data collected from Financial Institutions, PCB launched a new service – Benchmark report that helps show the position of a Financial Institution when compared to the whole market; at the same time it’s assessing credit performance of the whole market in general and each credit institution in particular.

The assessment is based on the measurement results of many indicators in many different dimensions, giving particularly useful information such as Market growth, Market share, Product composition, Product characteristics and Delinquency rates. As a result, Financial Institutions have a more holistic view of their position in the market as well as the performance of other organizations in the industry.


The system applies AI technology with more than 100 different variables to offer a scoring model for new high-quality customers. Diverse data comes from various sources such as demographic information, loan requests, territorial information, information obtained at the time of query, etc. This function allows to support lending decision making for first-time entry customers to the credit market or customers with short credit history.


This group of solution includes 2 products:

Portfolio Advisor: The system will give notices when the borrower’s credit information reported changes such as: request a new loan to other credit institution, be granted a new loan by other credit institution, or changing in group of debt in other credit institution.

Portfolio Explorer: Banks/ credit institutions can use this product to inquiry borrower information via batch, on a given frequency (monthly/ quarterly and so on so forth). The whole portfolio or a part of it can be put under monitoring. The outcome can be synthetic (summary block) or detailed (comprehensive report).

Vietnam Credit Information J.S.C. (PBC)
Headquarter: Room 1303B, Vietcombank Tower, 198 Tran Quang Khai Street, Hoan Kiem District, Hanoi.

Representative office: 4th floor, Vietcombank building 13-13Bis Ky Dong, Ward 9, Dist. 3, Ho Chi Minh City.
Tel: +84 (24) 3936 9558 (Hanoi)  –  (84) 28 3931 22 66 (HCM City)  –  Email: