Hello, tried requesting from CIBIApp. Already done with the payment. And wala pang email na narereceive with attached credit report. But I can see dun sa transaction ID sa CIBI App na myScore is 0. Ilang days po ba maghihintay bago mareceive email bago sana ako magfile ng dispute. Si TransUnion kasi right now may advisory na hindi muna sila magpprovide ng Credit Report until further notice.
Hi , can i ask if paano if wala p akong credit cards at nag aapply palang? Makikita rin po ba kaya dito ung mga existing loan at nabayaran na loan like sa sss etc?
Hi sir may idea po ba kayo kung paano ang point system ng credit score? for example po may personal loan akong paid na ilan po kaya ang corresponding points for that loan? TIA
Just to make things clear: We do not have a FORMAL scoring system in the Philippines, but it doesn't mean that it does not exist. The CIC does not implement the scoring system - the credit bureaus do.
Hi Ariel! You might be interested to check out my video on how to get a transunion credit report: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html Hope this helps!
Hi! Pwede nyo rin po i-try na kumuha ng credit history ninyo po via TransUnion. At least po dun libre lang. You can check it out sa isa ko pa pong video kung papaano po: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Great content! Been looking for instructions on how to get my credit report with credit score from CIC. All the while I thought I needed to physically go to their office in Makati, then I stumbled upon your video. Great job! Subscribed! Keep creating videos like this kasi hindi sya common sa ating Pinoys which shouldn't be the case. Thank you for this!
Hi Andrei! Thank you! I have a more recent video on how you can get your credit score FOR FREE! And imo it has a more accurate report. Thanks again and have a great day! :D
Hello sir very informative. Ask ko lang po, nakaka affect po ba pag di mo nabayaran ang smart or globe kahit 8yrs ago na? Tas may tumalbog na cheke but di nabayaran ang penalty sa bank?pag mag apply ng cc
Hi Josh! If you also want to get your credit score and credit report from another credit bureau, I made another video of this! I recommend that you get this too -- as this is free and more accurate! th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Hello! What can you recommend for those who had delinquent account? What do you think is the easiest way to fix it to get your credit score improved. Thank you!
Hi Kier! You might want to check out one of my videos. This might have more answers for you :) : th-cam.com/video/4e10WOMU6_s/w-d-xo.html I also have a full playlist of all about credit: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html Hope this helps! :)
Hi! Not sure if you have a specific institution in mind, but if you want to see all of the companies na nagsusubmit, you can check sa CIC website po mismo. You can learn more about it on this video: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html Thank you! :)
Hi Jose! In an ideal world oo. But due to technological limitations before and if I'm not mistaken, there was a point before na na-reset ang credit delinquency records kaya yung ibang mga credit card holders na nagkaron ng delinquent payment, wala sa records nila when they asked for it. However, I believe na due to the advancement of technology now (i.e. usage of cloud technology as database for large-scale records storage), possible na hindi na siya mabubura in the future. I'd recommend not having this mindset na "mabubura yung bad records in the future kaya okay lang maging delinquent", kasi promise -- the consequences of not having a good credit history is really really bad. Hope this helps!
@@osheanlee thank u sa sagot. yung internet bill at phone plan.nkaka apekto ba?wala na kasi ako plano bayaran kasi lagi wlang service at nung pinapa cut ko na, ang daming reason na kesyo bayaran ko daw ang 3 mos of service kahit wla akong internet connection.unfair nman sakin yun.hanggang sa napagod na ako kaka contact sa kanila.
Very impressive content, I'm actually binge watching your vlogs :) tysm. Just wondering, just being the co-maker/ co borrower of a delinquent account affects your credit score as well?
Hi Jean! thank you also for watching. Ang assumption ko is yes since your name is imprinted there as well. Meaning liable ka rin on the account. Hope this helps!
Hi Justine! Medyo gray area pa siya, but you can find more about it here: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html Make sure to check the comments section. :)
hope mapansin and masagot mo lods. If meron po kayong past due and terminated acct from globe postpaid . does that affect your application ng credit cards or ur credit scrores
Hi @marimsh, magkaiba scoring system ng CIBI and Transunion. You can check out also my video on how I got my credit report from TransUnion: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html Same case with me -- pero baliktad, yung CIBI ko yung kulang, and yung TransUnion ang hindi. I filed a dispute on my CIBI credit report, pero hindi pa rin nila nareresolve. Thank you for watching! :)
Get Your Credit Report and Credit Score FOR FREE! More accurate info here: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
nice
Hello, tried requesting from CIBIApp. Already done with the payment. And wala pang email na narereceive with attached credit report. But I can see dun sa transaction ID sa CIBI App na myScore is 0. Ilang days po ba maghihintay bago mareceive email bago sana ako magfile ng dispute. Si TransUnion kasi right now may advisory na hindi muna sila magpprovide ng Credit Report until further notice.
You can email CIBI to follow up. Ganyan din nangyari sakin.
@@osheanlee nakailang follow up na po ako pero wala pa din. Sino na pwede contactin?
@@seankirbypichay5250 creditbureausupport@cibi.com.ph
Hi , can i ask if paano if wala p akong credit cards at nag aapply palang? Makikita rin po ba kaya dito ung mga existing loan at nabayaran na loan like sa sss etc?
Not sure with SSS. afaik yung nakikita lang sa CIC are from private financial institutions.
Hi sir may idea po ba kayo kung paano ang point system ng credit score? for example po may personal loan akong paid na ilan po kaya ang corresponding points for that loan? TIA
I have other videos explaining it :D
May I ask why CIBI APP and Website is not working ?
Might be down. You can wait for a few days then try again. :)
May kinasuhan ako sa Small claims court, magrereflect po kaya ito sa Credit score nya?
Hi Jerween. I'm not sure but my smart guess would be no. Since ang nag-rereflect lang sa credit score ay yung mga reports na sinusubmit sa CIC
Yung sakin nakalagay no result bakit kaya? Wala man lang credit score
Hi nico! most likely wala ka pang credit records? Or hindi pa nagsusubmit yung mga creditors mo. Best to file a dispute if the latter is your case.
Just to make things clear: We do not have a FORMAL scoring system in the Philippines, but it doesn't mean that it does not exist. The CIC does not implement the scoring system - the credit bureaus do.
Hi sir sana po masagot. Wala pa naman po akong utang or any loans nagtry ako magloan sa bank pero disapproved po kasi sa credit score ko daw po
Hi! Baka makatulong sayo: th-cam.com/video/jNI8etwzUvE/w-d-xo.html
Unavailable pala ung CIBI app until further notice.
Hi Ariel! You might be interested to check out my video on how to get a transunion credit report: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Hope this helps!
Hi! After I paid for 235 pesos, how long does it take for me to receive the credit report on my email address?
You should receive it instantly after payment
pano naman kaming ofw wala kaming access sa cic office pano kami makakakuha ng credit history ?
Hi! Pwede nyo rin po i-try na kumuha ng credit history ninyo po via TransUnion. At least po dun libre lang. You can check it out sa isa ko pa pong video kung papaano po: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Great content! Been looking for instructions on how to get my credit report with credit score from CIC. All the while I thought I needed to physically go to their office in Makati, then I stumbled upon your video. Great job! Subscribed! Keep creating videos like this kasi hindi sya common sa ating Pinoys which shouldn't be the case. Thank you for this!
Hi Andrei! Thank you! I have a more recent video on how you can get your credit score FOR FREE! And imo it has a more accurate report. Thanks again and have a great day! :D
Hello sir very informative. Ask ko lang po, nakaka affect po ba pag di mo nabayaran ang smart or globe kahit 8yrs ago na? Tas may tumalbog na cheke but di nabayaran ang penalty sa bank?pag mag apply ng cc
some would say yes. in my case no naman.
I’ve sent an email on 09/09/21 but until now I have not receive any calls or response from transunion. Is it normal?
Hi Ariel, they usually respond within 2-3 days but since we're in a pandemic now, their reply might be slower. :)
sir naayos na ba yung dispute mo sa cic? ni check ko yung website nila cibi credit report lang ang tinatanggap nila. transunion ang meron ako
naayos pero hindi lahat. I might re-apply again for a dispute.
pwede ang transunion sa dispute
Same po ba yung credit score sa gcredit and dun sa website na na provide nyo po?
Hi shara! They are different :)
Really helpful content! I'm done with the registration process and my interview is scheduled for tomorrow. Thank you!
Hi Josh! If you also want to get your credit score and credit report from another credit bureau, I made another video of this! I recommend that you get this too -- as this is free and more accurate! th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Hello!
What can you recommend for those who had delinquent account? What do you think is the easiest way to fix it to get your credit score improved.
Thank you!
Hi Kier! You might want to check out one of my videos. This might have more answers for you :) : th-cam.com/video/4e10WOMU6_s/w-d-xo.html
I also have a full playlist of all about credit: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Hope this helps! :)
Hi ngsusubmit ba ng credit report sa CIC yung mga fly by night na lending companies or banks lang?
Hi! Not sure if you have a specific institution in mind, but if you want to see all of the companies na nagsusubmit, you can check sa CIC website po mismo. You can learn more about it on this video: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html
Thank you! :)
is it true that bad credit will fall off after 7 to 10 years?
Hi Jose! In an ideal world oo. But due to technological limitations before and if I'm not mistaken, there was a point before na na-reset ang credit delinquency records kaya yung ibang mga credit card holders na nagkaron ng delinquent payment, wala sa records nila when they asked for it.
However, I believe na due to the advancement of technology now (i.e. usage of cloud technology as database for large-scale records storage), possible na hindi na siya mabubura in the future.
I'd recommend not having this mindset na "mabubura yung bad records in the future kaya okay lang maging delinquent", kasi promise -- the consequences of not having a good credit history is really really bad.
Hope this helps!
@@osheanlee thank u sa sagot. yung internet bill at phone plan.nkaka apekto ba?wala na kasi ako plano bayaran kasi lagi wlang service at nung pinapa cut ko na, ang daming reason na kesyo bayaran ko daw ang 3 mos of service kahit wla akong internet connection.unfair nman sakin yun.hanggang sa napagod na ako kaka contact sa kanila.
kasama b home credit ang tinitignan ng bank for your credit score?
Hi Jenwil! Yes, kasama. :) More details about this on my future video VERY SOON ;)
Hi sir yung mga points po ba sa cc is hindi nag eexpire?
Hi! Most ccs hindi po nag-eexpire ang points :)
Subscribed! Very informative content!!!
Thank you, Eya! ❤️❤️❤️
Really good content, Oshean! Very insightful and easy to understand.
Thank you, Gian!
Nakakaaffect po ba if my unpaid ka sa mga online lendings? If you are applying for a cc,
Yes, nakaka-affect po siya (e.g. robocash, etc.)
This is very informative. Thank youuu
Thank you, Glyza! :)
idol ung mga telecom companies nag sa submit rin po ng information sa CIC?
Hi! Nope :)
Sa TU at CIC libre lng walang bayad
Hi Pav. Yup, pinned the comment here below. Late ko na na-discover ang TU. Thanks! :)
Thank you for sharing this! 😊
Thank you for watching!
Very impressive content, I'm actually binge watching your vlogs :) tysm.
Just wondering, just being the co-maker/ co borrower of a delinquent account affects your credit score as well?
Hi Jean! thank you also for watching. Ang assumption ko is yes since your name is imprinted there as well. Meaning liable ka rin on the account. Hope this helps!
Hello, makakaaffect po ba yung unpaid balance sa Telco sa credit standing?
Hi Justine! Medyo gray area pa siya, but you can find more about it here: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html
Make sure to check the comments section. :)
Miss leading title.
Hello! How so? Also, it's *misleading.
In my opinion, mas kabog pa rin talaga yung Miss Universe title.
Thank u po sir sa info hehe may mga loan ako dati na ndi nabayaran kailangan ko malinis ang pangalan ko sa cic haha
Hi Mart! Thank you for watching :) you can also check out my playlist on anything about credit here: th-cam.com/video/0fWJGLhCjXs/w-d-xo.html
Hello same situation sayo, pano po ginawa nyong process para maclear yun record nyo sa CIC? Thank you.
hope mapansin and masagot mo lods. If meron po kayong past due and terminated acct from globe postpaid . does that affect your application ng credit cards or ur credit scrores
Hi Jonathan! If it's from Globe Postpaid, afaik hindi. Globe Telecom is not a submitting entity sa CIC. :)
Hindi na nagana toh
Hi! Maybe you can try this? th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Hi Oshean I got my credit report from CIBI and Transunion pero bakit magkaiba yung score. Also yun sa CIBI na info wala sa Transunion
Hi @marimsh, magkaiba scoring system ng CIBI and Transunion.
You can check out also my video on how I got my credit report from TransUnion: th-cam.com/video/fSfD2AeqgGY/w-d-xo.html
Same case with me -- pero baliktad, yung CIBI ko yung kulang, and yung TransUnion ang hindi. I filed a dispute on my CIBI credit report, pero hindi pa rin nila nareresolve.
Thank you for watching! :)