You’ve probably heard too often that credit scores can affect a lot of things in your life that includes money. From getting bank loans, home amortization approval, or even getting a new credit card. It’s one thing that we pay our credit card balances on time, but it’s also helpful if we are aware of how financial institutions “see” us as credit card users.
Are you a credit card holder? Curious about how you fare as a credit card user? One of the ways you can check your credit rating is by getting a TransUnion credit report.
Here’s how you do it:
1. Clear and delete your browsing history then download the latest TransUnion credit report request form. Fill it out digitally (TransUnion does not accept handwritten applications.)
2. Prepare a scan or photo of two (2) valid IDs. TransUnion is strict with which IDs they accept so make sure you only submit what is acceptable. TransUnion accepts any ID from the list below:
- Driver’s License
- Professional Regulation Commission (PRC) ID
- National Bureau of Investigation (NBI) Clearance
- Police Clearance
- Postal ID
- Voter’s ID
- National ID
- Barangay Certification
- Government Service Insurance System (GSIS) e-Card
- Social Security System (SSS) Card
- Senior Citizen Card
- Overseas Workers Welfare Administration (OWWA) ID
- OFW ID
- Seaman’s Book
- Alien Certification of Registration/Immigrant Certificate of Registration
- Government Office and GOCC ID (e.g. Armed Forces of the Philippines (AFP ID)
- Home Development Mutual Fund (HDMF ID)
- Certification from the National Council for the Welfare of the Disabled Persons (NCWDP)
- Department of Social Welfare and Development (DSWD) Certification
- Integrated Bar of the Philippines ID
3. Take selfies holding your chosen IDs. Make sure you are dressed properly for the selfie (no sandos or shirtless pics, please!). You can take a selfie holding both IDs or two separate pictures for each ID.
4. Save your ID scan/photos and selfies in .jpg or .pdf format. Compress the files in a .zip file* or combine them together in a .pdf. Afterward, encrypt the file with a password.
*Just a heads up regarding zip files, Gmail blocks this format so if you send your zip using a Gmail address, TransUnion will not be able to download it. Combine your requirements in a .pdf instead and encrypt with a password.
5. Submit your requirements as an email attachment to email@example.com. In the body of your email, provide the password for the .zip/.pdf attachment.
6. Wait for TransUnion’s instructions for the payment of the request. This is a link that contains the options on how to pay for the Php200 request fee. I received mine within the same day I submitted the requirements and I had 14 days to pay it, otherwise, my credit report request will be forfeited. If ever there is a delay, allow up to 10 business days to process (this is their time allowance in case there is a high volume of credit report requests).
7. TransUnion will check your submitted requirements. If all is clear, you will be provided a link where you can set a schedule for your KYC/identity verification which will happen via Zoom. I submitted my requirements on August 15 and chose to have my Zoom KYC verification on August 30.
8. Your password-encrypted credit report will be released. Transunion will send you an SMS for the password to be used to open your TU credit report.