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CIBI Information Inc. (CIBI), the Philippines’ first and only credit reporting agency, was first organized in 1982 as Credit Information Exchange System, a business information division attached to the Department of Loans and Credit of the Central Bank of the Philippines, now the Banko Sentral ng Pilipinas (BSP). It was jointly created by the BSP, the Securities and Exchange Commission (SEC), and the Financial Executives Institute of the Philippines (FINEX).

CIBI was eventually transformed into a private entity and officially incorporated in 1997 as CIBI Information Inc., a non-stock, non-profit corporation engaged in information gathering, data management, and analytics, pertinent to credit information on individuals, business entities, and other institutions in various areas of interest. Since its inception in 1982, CIBI has gained a solid reputation in over three decades of operation as a reliable source of accurate credit information, accordingly, validated by its esteemed clients and recognized by the Philippine government.

As part of its continuous effort in providing valuable services to its clients, CIBI relentlessly expands its awareness of, and sensitivity, to issues concerning unbanked individuals and under-served businesses. It also opens the door of opportunity to bring them into the mainstream of financial services by providing channels to credit facilities with the end view of sustaining the country’s economic growth.

Why Choose CIBI



The Philippine government issued a Letter of Instructions No. 1107 mandating the Central Bank of the Philippines (Bangko Sentral ng Pilipinas) to initiate a credit information exchange system and to analyze the probability of establishing and funding the operation of a credit bureau due to the disturbing increase of failures on corporate borrowers.


CIBI was established in the Philippines in 1982 as a business information division. The company was jointly created by Central Bank of the Philippines, now Banko Sentral ng Pilipinas (BSP); the Philippine Securities and Exchange Commission (SEC) and the Financial Executives Institute of the Philippines (FINEX).


CIBI’s commercial operations as a separate entity commenced on this year.


CIBI was incorporated and transformed into a private entity with a new corporate name as CIBI Information, Inc.


CIBI complied with the registration requirements of the Data Provacy Act of 2012 effective until March 8, 2020


CIBI acquired a Credit Bureau System in 2015 through a partnership with GDS Direct. GDS Direct, part of the GDS Link USA Group, is a specialized provider of Credit Reference Bureau solutions in the world to produce credit scoring, application processing, and credit decision processes to name a few.


CIBI was accredited as one the Special Accessing Entity of Credit Information Corporation as set forth under Republic Act 9510 otherwise known as the Credit Information System Act.


CIBI launched myScore to give scorecard ratings for individuals and to protect lenders against fraud accounts.


CIBI Information Inc. Holds the 1st Philippine Credit Forum in the Philippines.


CIBI launched the use of Robotics (RPA) for a faster and efficient internal operation process.