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Credit reports and scores: Philippines.

A take-home sheet for people at the session. Other countries: United States · United Kingdom · Canada · Australia · New Zealand · India.

Moraph for Good · Fluent

Credit reports and scores: Philippines

Handout · moraph.org/commons/sessions/fluent/credit-reports-and-scores

This sheet goes with the Credit reports and scores session. It is general information, not advice about your own situation.

Get your report

  • Use the free, official route below, not a search result.
  • You shouldn’t need a card number to see your own report.
  • Bureaus can hold different information, so check each one.

Read it line by line

  • Check your name, date of birth and addresses.
  • Look for accounts you don’t recognize, wrong balances and late payments that weren’t late.
  • Look for old debts that should have dropped off, and debts listed twice.

Dispute errors in writing

  • Contact the credit bureau and the company that reported the error.
  • Say what is wrong and why; send copies, never originals.
  • Keep a copy of everything, with dates, and follow up.

Scores and rebuilding

  • A score is calculated from your report; different bureaus give different numbers.
  • Paying on time and keeping balances well below limits generally help.
  • Paying someone can’t get accurate information removed; you can dispute errors yourself, free.

In the Philippines

  • Your right to see your data. Under the Data Privacy Act of 2012, you have the right to ask an organisation whether it processes data about you, what that data is, where it came from, who it was shared with, and whether automated processes are used to make decisions that significantly affect you.
  • Fixing errors. You have the right to dispute an inaccuracy or error in your personal data and have it corrected within a reasonable period of time.
  • Online lenders. Online lending platforms may not access your contact list except to let you choose character references or guarantors. For debt collection, lending and financing companies may only contact your guarantor, and harassment and threats are prohibited. Use only lending apps run by registered and licensed companies.
  • Where to report. Report unfair debt collection by lending or financing companies to the Securities and Exchange Commission at imessage.sec.gov.ph or on 1-4732. If your personal data has been misused, you can file a complaint with the National Privacy Commission.

Official places to check:

  • National Privacy Commission: privacy.gov.ph/right-to-access
  • National Privacy Commission: privacy.gov.ph/right-to-rectify
  • National Privacy Commission: privacy.gov.ph/data-subject-rights
  • DICT, National Privacy Commission and Securities and Exchange Commission: privacy.gov.ph/wp-content/uploads/2026/03/DICT-NPC-SEC-Public-Advisory-on-Online-Lending-Platforms.pdf

More free official help in the Philippines: moraph.org/commons/help/financial-literacy/ph

General information, not advice about your own situation. Checked 20 October 2026. If an official source says something different, it is right. Free to copy and adapt. moraph.org/commons/sessions/fluent/credit-reports-and-scores