Credit Information Corporation

What Credit Information Corporation does

Credit Information Corporation (CIC) is a government-owned and controlled corporation (GOCC) established under Republic Act No. 9510 (Credit Information System Act of 2008), operating as the Philippines' sole public credit registry. Its statutory mandate is to receive and consolidate basic credit data from submitting financial institutions, maintain a centralized repository of credit information, and distribute this information to authorized accessing entities. By mid-2025, the registry recorded 66 million borrowers and over 400 million tradelines, making it a comprehensive national credit database serving banks, fintech platforms, and other lending institutions across the Philippines. The corporation serves three primary customer segments: Filipino borrowers (particularly unbanked and underserved populations seeking to build credit history), Accessing Entities (financial institutions and fintechs using the registry for credit decisioning and risk management), and Submitting Entities (financial institutions required to submit credit data). CIC's headquarters are located in Makati City, with operations overseen by the Governance Commission for GOCCs (GCG).

CIC's core product suite comprises Individual and Corporate Credit Reports, an Online Dispute Resolution Process for correcting inaccurate records, and three institutional programs — the Submitting Entity Program, Accessing Entity Program, and Special Accessing Entities (SAEs) category — that govern participation in the credit data ecosystem. The Direct-to-Consumer (D2C) Program enables individual borrowers to retrieve their credit reports through partner Accessing Entities, while CIC Academy delivers a recurring webinar series on credit literacy, data privacy, responsible borrowing, and the Credit Information System Act itself. The technical platform is a centralized registry rather than a marketplace or analytical product; no APIs, SDKs, or mobile applications are exposed publicly, and specific technology stack details are not disclosed. CIC's operating model is regulatory rather than commercial: pricing for registry access is not publicly disclosed, no revenue figure is reported, and the entity is funded through the government budget framework alongside any statutorily permitted fees. Recent operational priorities include an anti-fixer campaign, submission-penalty guidelines for non-compliant institutions, and digital-lending data-privacy partnerships with the National Privacy Commission.

Name

Credit Information Corporation

Legal name

Credit Information Corporation

Website

https://creditinfo.gov.ph

Company type

Private

Founded year

2008

Operating status

Operating

Headcount range

51–100 employees

Short description

Credit Information Corporation (CIC) is the Philippines' sole public credit registry, established under Republic Act No. 9510, providing centralized credit data to financial institutions, borrowers, and underserved populations through credit reports, dispute resolution, and financial literacy programs.

Ownership category

akta.pro rank

Product category

Credit Information and Registry Services

NAICS

Credit Bureaus (561450), Activities Related to Credit Intermediation (5223)

SIC

Services-Consumer Credit Reporting, Collection Agencies (7320), Federal & Federally-Sponsored Credit Agencies (6111)

akta.pro primary industry

Credit Bureaus & Consumer Credit Reporting Agencies (FSAKAKAA)

akta.pro secondary industries

Credit Score Monitoring & Credit Building (FSAGADAE), Credit Education, Monitoring & Consumer Credit Management Tools (FSAKAKAJ)

Keywords

• Credit registry services
• Credit information reporting
• Borrower credit reports
• Credit data repository
• Credit risk information

Headquarters

HQ city

Makati

HQ country

Philippines

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Operations, Marketing or Sales, Infrastructure

Distribution channels3 records

Marketing channels5 records

Core offering

Credit Information Corporation operates as the Philippines' sole public credit registry, receiving and consolidating basic credit data from financial institutions and distributing credit reports to authorized Accessing Entities and individual borrowers. It maintains a central repository of credit information covering 66 million borrowers and over 400 million tradelines, and provides Direct-to-Consumer access to credit reports through authorized Accessing Entities under Republic Act No. 9510.

Product overview

Credit Information Corporation (CIC) operates as the Philippines' sole public credit registry and repository of credit information under Republic Act No. 9510 (Credit Information System Act of 2008). The core offering consists of credit report generation and distribution—both Individual and Corporate reports—accessible through the Direct-to-Consumer (D2C) Program via authorized Accessing Entities. CIC's ecosystem includes: data submission infrastructure through the Submitting Entity Program where financial institutions feed credit data; the Online Dispute Resolution Process for correcting report errors; and CIC Academy, an educational webinar series promoting credit literacy and data privacy awareness. The Direct-to-Consumer Program connects borrowers directly to their credit reports through partner Accessing Entities, while Special Accessing Entities represent a distinct authorized category with specific access rights under CISA.

Differentiator

Problem solved

Functional benefit

Brands

• CIC Academy: An educational webinar program by Credit Information Corporation that provides financial literacy, credit awareness education, and information about the Philippine credit system to the public.

Products and services

• Credit Reports (Individual and Corporate) Credit reports containing credit history and financial condition of borrowers; individual reports serve personal borrowers while corporate reports serve business entities, accessible through the Direct-to-Consumer program via Accessing Entities.
• Direct-to-Consumer (D2C) Program Program providing individual borrowers with convenient access to their CIC Credit Reports through Accessing Entities, enabling direct monitoring of personal credit information.
• Online Dispute Resolution Process Process allowing borrowers to dispute errors or inaccuracies in their credit reports submitted by participating financial institutions.
• Submitting Entity Program Onboarding program for financial institutions and lenders to become Submitting Entities (SEs) that submit credit data to CIC's central registry, including compliance stages and technical workshops.
• Accessing Entity Program Onboarding program for authorized institutions to access CIC's credit information database for lending decisions and risk assessment purposes.
• Special Accessing Entities (SAEs) Special category of accessing entities with authorized access to CIC's credit registry for specific purposes defined under the Credit Information System Act.

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Two partnerships are on record, tiered core and minor.

• National Privacy Commission (NPC)coreStrategic or Co-development Partner · 19 June 2026CIC partnered with NPC for the CIC Academy webinar titled 'Click, Borrow, Protect: Understanding Online Lending and Data Privacy' on June 19, 2026. The partnership aims to help Filipinos borrow more safely online and better protect their personal data, combining CIC's credit expertise with NPC's data privacy regulatory authority.
• CreditMominorStrategic or Co-development Partner · 29 May 2026CIC collaborated with fintech platform CreditMo for Episode 5 of the CIC Academy Webinar entitled 'Understanding Your Credit Report' on May 29, 2026. The webinar aimed to educate the public on the country's credit system and the importance of building financial credibility.

Scale indicators1 record

Recent moves6 records

Expansion highlights6 records

Regional players

• Credit Bureau Singapore: Operates Singapore's consumer credit bureau under a statutory mandate similar in spirit to CIC. Directly comparable as a national public-purpose credit information infrastructure operator in Southeast Asia.
• PEFINDO (Pemeringkat Efek Indonesia): Indonesia's leading credit information and rating agency serving lenders with consumer and commercial credit data. Closely comparable as a national-scale credit information provider in a neighboring ASEAN economy.
• TransUnion CIBIL Limited: India's flagship credit information company, jointly established by TransUnion and multiple Indian banks to operate a national credit repository. Strongly comparable as a national-scale credit bureau serving banks, NBFCs, and fintechs in an emerging Asian market.
• National Credit Bureau (Thailand): Thailand's national credit bureau operating under Bank of Thailand oversight to consolidate consumer credit data. Comparable in role and regulatory positioning to CIC within ASEAN.
• Bank Negara Malaysia — CCRIS: Central Credit Reference Information System operated by Malaysia's central bank. Directly comparable as a regulator-operated national credit registry in a neighboring ASEAN market with a similar statutory role to CIC.

Broad incumbents

• Experian: Global credit information group providing credit reports, scores, and analytics across consumer and business segments. Comparable as a broad incumbent operating at global scale in the same product category.
• Equifax: One of the three largest global credit bureaus, offering consumer and commercial credit information, scoring, and analytics. Comparable as a broad incumbent in the global credit information industry.
• TransUnion: Global credit bureau with presence in the Philippines (through CIBI joint venture history) and across Asia. Comparable as a broad incumbent operating commercial credit bureaus and analytics at scale.
• CRIF S.p.A. Global credit information provider with strong presence in the Philippines via CIBI. Comparable as a broad incumbent providing credit bureau, scoring, and decisioning services across multiple Asian markets.

Direct peers

• CIBI Information, Inc. The leading private credit bureau in the Philippines, providing consumer and commercial credit reports and scoring. CIBI is the closest direct competitor to CIC within the same domestic market and customer base.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/creditinfogovph
• YouTubeyoutube.com/channel/UCLrWvv1rlc5vqV6VFvJ-jrQ?view_as=subscriber
• Facebookfacebook.com/creditinfo.gov.ph
• LinkedInlinkedin.com/company/credit-information-corporation
• Instagraminstagram.com/creditinformationcorporation
• TikToktiktok.com/@creditinfogovph

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Credit Information Corporation