Bad Credit status...pano maaalis?

[boybi]

sir boybi sure naman ako na walang criminal records hehehe

yun nga sabi nung BM after 10 years after mabayaran nang buo yung "delinquent credit" bago maclear.

Sometimes may kapangalan. You have to prove na hindi ikaw yun.

[shadow]

There must be a way...I don't know... Ang Dami Dami estapador na mga businessmen eh Ang lalaki ng tinakbong pera na utang Sa banks pero after couple of years nakakabalik and good credit standing pa rin Sa mga banks...


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[boybi]

There must be a way...I don't know... Ang Dami Dami estapador na mga businessmen eh Ang lalaki ng tinakbong pera na utang Sa banks pero after couple of years nakakabalik and good credit standing pa rin Sa mga banks...


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Gumagamit siguro ng ibang name or mga kamag-anak ang ginagamit nilang front.

[Sindong]

There must be a way...I don't know... Ang Dami Dami estapador na mga businessmen eh Ang lalaki ng tinakbong pera na utang Sa banks pero after couple of years nakakabalik and good credit standing pa rin Sa mga banks...


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very true, you can see naman sa mga ads lalo na yung brand new car madali lang maglabas, kahit nga wala ka financial requirements at saka ts, if meron ka naman colateral try mo sa mga maliliit na banks mas madali mag pa approve.

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[mahalay]

There must be a way...I don't know... Ang Dami Dami estapador na mga businessmen eh Ang lalaki ng tinakbong pera na utang Sa banks pero after couple of years nakakabalik and good credit standing pa rin Sa mga banks...


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I believe there is... Get a secured credit card to rebuild your credit score. Unionbank, metrobank, and BPI offers secured credit card.

[boybi]

What's a secured credit card?

[Quint]

sir boybi sure naman ako na walang criminal records hehehe

yun nga sabi nung BM after 10 years after mabayaran nang buo yung "delinquent credit" bago maclear.

For bad loans, the database is managed by BAP, Bankers Association of the Philippines. Sa credit cards, its CCAP, Credit Card Association of the Philippines. Yes, they keep it for 10 years. But if you have proof that you paid and now have good credit standing, I'd say fight for it. Show them evidence. Go to a bank that will and can fight for you to reverse your bad credit standing. If there's a will, there's a way.

Just my two cents...

[sirkosero]

What's a secured credit card?

Its a type of card where your bank deposit serves as collateral. If in case you default on your payment, the bank will collect the payment from your deposit.

The credit limit is based on the deposit that serves as the colateral. If your deposit is 100k, your credit limit has a max of 100k as well.

During the whole lifecycle of the credit card, you will not be able to withdraw the colateral from your bank account

[jon777]

Nagulat ako na 10 years after paying a deliquent account???????

Sa US , 7 years after declaring bankruptcy, ok na ulit ang credit score eh......

Napakahigpit pala dito sa Pinas.....

[chrismarte]

I believe there is... Get a secured credit card to rebuild your credit score. Unionbank, metrobank, and BPI offers secured credit card.

Will they trust me to have a secured crecdit card? may lumabas na kasi na "hit" sa record. Isipin mo na lang na may maintaining balance.

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I believe there is... Get a secured credit card to rebuild your credit score. Unionbank, metrobank, and BPI offers secured credit card.

Will they trust me to have a secured crecdit card? may lumabas na kasi na "hit" sa record. Isipin mo na lang na may maintaining balance.