Philippines Credit Judgement & Litigation Check

## Who is the source of credit check data in Philippines? Credit Information Corporation (CIC) ## What is the process in Philippines? The requesting party will request the check from the ATS or their Zinc account. 1. The candidate receives automated instructions to provide some personal details in a dynamic web form. 2. Zinc submits the request to the authorities. 3. Zinc receives the results (digitally) and provides a signed digital report. 4. The candidate receives a notification to say the process is complete. ## What details are required to submit the check? - First Name - Last Name - Birth Date - Consent - Gender - **ID Document Type** - TIN or SSS or Filipino Driver’s License or UMID or GSIS number or Foreign Passport (less preferred option) - **Government Id Number** - TIN or SSS number - TIN: 9 to 12 digits, e.g., XXX-XXX-XXX-XXXX - SSS: 10-digit e.g. XXXXXXXXXX - Drivers License, UMID ,or GSIS number is also acceptable - Drivers License: 10-digit e.g. AXX–XX–XXXXXX - UMID: 12-digit e.g. XXXX.XXXXXXX.X - GSIS: 11-digit XXXXXXXXXX-X - Please enter the ID/document number without the dash - **Candidate’s Phone Number Type** - Mobile/ LandLine/ Fax - Candidate’s Phone Number * - Filipino phone number used by the candidate in the Filipino banks. - **Street** - Current or last address street in the Philippines. - **Region** - Current or last address region in the Philippines - **Province** - Current or last address province in the Philippines - **City** - Current or last address city in the Philippines ## What is covered in the credit check? Our provider accesses CIBI Credit Bureau to conduct Bad Payment verification in the Philippines. The process provides financial default information on citizens and foreigners over 18 years of age, who are or have been tax residents in the Philippines. The process is national, and the retrieved data is sourced from CIBI, which aggregates information submitted by all financial and lending institutions to the Credit Information Corporation (CIC). This includes banks, credit lenders, and non-banking financial companies. The information provided encompasses: - Credit records and repayment behaviour - Credit evaluation and overall credit history - Details of loans, debts, and delinquencies - Account summaries The verification does not leave a footprint and does not affect the candidate's creditworthiness. The verification is conducted with the highest compliance standards, in accordance with applicable laws. ## Restrictions, Exclusions, Limitations: - Due to privacy laws, there might be restrictions in accessing case information that the parties to the case have explicitly prohibited the public disclosure of. - The credit bureau forbids sharing credit information with third parties outside of the consent provided for the purposes of a credit check. - Please note the names of the financial institutions the subject owes money to will not be released as only users who are also under Financial Institution will receive this information. - Updates to the database are made weekly, but it sometimes depends on the banks. ## What is the period covered by the check? Coverage by the source goes 24 months back. ## Is there any potential candidate footprint? The verification does not leave a footprint and does not affect the candidate's creditworthiness. ## What is the expected turnaround time? [Here](https://zincwork.com/turnaround-times) ## Privacy statement The details contained in this report should not be used as the sole reason for making a decision. Zinc Work Ltd is not liable for any inaccuracies or incompleteness in the information appearing in this report since it is provided to Zinc Work Ltd by third parties. This report has been produced for the purchaser of the report and Zinc Work Ltd will have no liability to loss.