An interested individual or the data subject who wishes to acquire his/her credit score and report for monitoring purposes has two means to do so: through the Credit Information Corporation (CIC) or through the Special Accessing Entity (SAE) such as CIBI Information, Inc. However, given the current phase of the credit information exchange system in the country, only the individuals with credit records or transactions to institutions engaging in credit-related activities such as the banks, microfinance, lending companies, insurance, and the like can avail their credit scores and reports. Furthermore, these companies must be compliant or an active Submitting Entity (SE) to the Credit Information Corporation. To know more, you may visit this link.