Accessing bureau

Accessing bureau — a private credit bureau accredited to access CIC data and score on top of it plus its own sources: CIBI Information (the oldest, 1982), TransUnion Philippines (used by most card-issuing banks), and CRIF. Scores exist, but which bureau a lender consults and how it weighs the file varies — the structural reason PH credit-building targets clean behavior across the whole file rather than gaming one number.

First used in: 3.2 · The PH credit machine