Credit Information Corporation

January 22, 2024

Dear DOMICIANO JR EMPIC,

Greetings!

The Credit Information Corporation (“CIC”) does not tolerate or condone illegal activities of any of its Submitting Entities. Further, please be informed that:

●	The CIC does not collect debt payments;
●	The CIC does not send payment notices in any form on behalf of any company;
●	The CIC does not issue a negative credit report nor blacklist ‘delinquent’ borrowers in its database;
●	The CIC does not resolve negative debt issues between the lender and borrower; 
●	The CIC does not ask any borrower directly for any information; and
●	The CIC does not provide any kinds of loan.

To report any illegal activities or unfair debt collection practices of any online lending applications or online lending platforms (“OLA/ OLP”), please refer to the CIC’s official social media card attached to this answer.

Your right to request a review

If you are dissatisfied with this response to your FOI request, you may ask us to carry out an internal review of the response by writing to our President and CEO, Ben Joshua Baltazar at cichelpdesk@creditinfo.gov.ph with the following subject head: [CIC - EFOI Request Review].

Your review request should explain why you are dissatisfied with this response, and should be made within 15 calendar days from the date when you received this letter. We will complete the review and notify you of the result within 30 calendar days from the date when we receive your review request.

If you are not satisfied with the result of the review, you then have the right to appeal to the Office of the President under Administrative Order No. 22 (s. 2011).

We would love to hear your Feedback so we can improve our services. Kindly accomplish the FOI request feedback form at the link: https://shorturl.at/egHRS

Thank you.

Respectfully,


FOI Receiving Officer