We are the first Hong Kong credit reference agency to launch the Credit Information Corporation (CIC) credit report service for Hong Kong-based Filipinos, in partnership with CRIF. The CIC credit report enhances the effectiveness of employment checks and credit checks for employers and business organizations in hiring Filipino employees.

The CIC is the Philippines’ sole public credit registry and repository of credit information, hosting credit data of 30.7 million individuals with more than a hundred million loan contracts. It is the largest, most comprehensive credit database in the Philippines and derives its mandate to collect, consolidate and disseminate the credit data of Filipino borrowers under Republic Act No. 9510, otherwise known as the Credit Information System Act (CISA). With a data coverage spanning over 30 million borrowers, or approximately 45 % of the country’s adult population, its data represents a significant portion of the credit activity in the Philippines. CIC’s credit report consolidates both positive and negative credit data of borrowers across different loan types, thereby providing a comprehensive view of an individual’s creditworthiness.