PAG-IBIG Records: Consolidate and Merge All Your Records Online

Have you worked in corporate for XX years? Does your place of employment vary by the city? Are there discrepancies in your PAG-IBIG records? If it’s a yes, then maybe you need to consolidate and merge your PAG-IBIG records. 

I have worked for over a decade and just recently discovered that I have two different records in PAG-IBIG. One of my former employers filed my contributions under my name with just the middle initial (Juan B. Dela Cruz) while all other employments I had were filed under my full name (Juan Bautista Dela Cruz). Because of this, PAG-IBIG suggested that I correct the discrepancy by submitting a Certificate of Oneness issued and signed by my employer. And afterward, I need to file a request for consolidation/merging of member records (RCMMR).

As I don’t have time to travel from one point to another at the time I worked on my records, PAG-IBIG suggested that I request my PAG-IBIG record consolidation online instead. Here’s how I did it:


You can fill this out digitally or handwritten, BUT the signature must be a wet signature, meaning, an actual handwritten signature. So you will need to print, sign, scan (or take a picture) and save the form as .pdf or .jpg format. If you choose to scan the form, I recommend the CamScanner app on Android. Or the built-in scan feature on iOS.

2. Prepare other requirements such as one (1) valid ID accepted by the PAG-IBIG. I was advised by the hotline CSR to send two (2), though so I did. Note: They do not accept Philhealth and TIN ID. Acceptable IDs are:

  • Passport
  • Driver’s License
  • Professional Regulation Commission (PRC) ID
  • National Bureau of Investigation (NBI) Clearance
  • Police Clearance
  • Postal ID
  • Voter’s ID
  • Barangay Certification or Barangay IDs or similar documents bearing picture of the Member
  • Government Service Insurance System (GSIS) e-Card
  • Social Security System (SSS) Card
  • Senior Citizen Card
  • Overseas Workers Welfare Administration (OWWA) ID
  • Overseas Filipino Worker ID
  • Seaman’s Book or Seafarer’s Identification and Record Book (SIRB)
  • Alien Certification of Registration/Immigrant Certificate of Registration
  • Government Office and GOCC ID, e.g. AFP ID, Pag-IBIG Fund Loyalty Card
  • Certification from the National Council for the Welfare of Disabled Persons (NCWDP)
  • Department of Social Welfare and Development (DSWD) Certification
  • Integrated Bar of the Philippines ID
  • Company ID issued by Private Entities or Institutions Registered with or supervised or regulated either by the BSP, SEC, or IC.
  •  Philippine Identification (PhilID) Card

If you have errors on your records, you may need to correct these errors first before requesting consolidation of your PAG-IBIG records. Some common record errors are the following:

Errors on the member’s personal details (name, birthdate, etc.) – You may need to file an MCIF first before requesting consolidation.

Errors on the member’s PAG-IBIG records, i.e. contributions were filed under two different versions of the member’s full name. You have to request a Certificate of Oneness from your former employer. (I did this, contacted my former employer and they issued me a signed certificate which I attached to my consolidation request). 

3. Send the merging request email to PAG-IBIG Fund at their < address. 

You can use the following template for your email:

SUBJECT: Request for Merging

Good day, PAG-IBIG!

Please assist with the merging and consolidating of records for the member named below.

Attached are the following:

2 ✕ government-issued IDs (UMID, PAG-IBIG Loyalty Card,etc.)

Accomplished RCMMR Form

Name: <Full name including full middle name>


Birthdate: MON DD, YYYY



Previous: (no need to list every past employments, the most recent previous employment will do)

Thank you very much. 

PAG-IBIG Fund will reply to your message with an acknowledgment email once you send the request.

How long do I have to wait for the consolidation and merging to be completed?

I have yet to receive the completion advice for my request as I write this. However, let me share with you the time that has elapsed since submitting my request:

August 1 – I sent my request and I received their acknowledgment email. 

August 2 – PAG-IBIG sent an update that they have endorsed my request to the office handling such queries.

August 7 – I am writing this blog.

I think it will take some time. I worked in different cities and many different companies so records are all over and may need to be coordinated with whomever.

EDIT: I called the PAG-IBIG hotline and I was advised that the average TAT for merging and consolidation was 17 days and 62 minutes

EDIT: The merging of my records was completed on August 13, 2022 (although I still have to communicate some other errors on my records.)

How to follow up for updates on the merging/consolidation request?

You can do so via email (use the transaction reference number from the last email PAG-IBIG sent to you as part of the subject line) or call the PAG-IBIG hotline 8-724-4244 (8-PAG-IBIG). I preferably use the latter as it is so easy to connect to an agent. I just give my transaction reference number and they can track the request for updates. 

Do I really need to consolidate and merge my PAG-IBIG Records?

I don’t think it’s mandatory, but it is beneficial for the following reasons:

  • when applying for a Short-Term Loan (STL) 
  • when applying for a Provident Benefits Claim (PBC)
  • when applying for a housing loan (not sure about this but it makes sense to have your records organized for easy verification by the developer or loaning institution)
  • when there’s an error on your records (just like with my case where I have two different records in their database. It took 10 years before I discovered it!)
  • when you work in multiple companies that are located in different cities
  • for having singular and organized PAG-IBIG records

I hope this blog helps you! Share away!

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