u/Ancient_Top_8837

27F. I have been debt drowned for a year now. May mga OLA Akong na close off at may mga OLA (marami) din na 1 year nang due. I tried to check my credit score to CIC kasi curious ako kung magrereflect ba talaga and it turns out some OLA are really reporting to CIC.

I found out as well na some of may OLA na 1 year due na are reflected as written off by creditor ( considered bad debt/ uncollectible).

If you want to check your credit scores and credit record reported in CIC, just download the app CREDITMO in playstore and fill up and I paid Php 45 to get the report in seconds.