CREDIT INFORMATION CORPORATION · 2019-12-10 · a. Philippine Passport Department of Foreign...

CREDIT INFORMATION CORPORATION

CITIZEN’S CHARTER 2019 (1st Edition)

2

CREDIT INFORMATION CORPORATION

CITIZEN’S CHARTER 2019 (1st Edition)

3

I. Mandate: Under Republic Act No. 9510, the Credit Information Corporation has the powers and functions to receive and consolidate basic credit data, to act as a central registry or central repository of credit information, and to provide access to reliable, standardized information on credit history and financial condition of borrowers.

II. Vision: By 2025, CIC will be a profitable organization providing internationally accepted credit data while protecting consumer rights.

III. Mission: To efficiently and effectively collect and provide accurate credit data through a reliable and comprehensive centralized credit information system, using state-of-the-art technology and facilities, thereby contributing to improved access to credit.

IV. Service Pledge:

1. To efficiently and effectively collect and provide accurate credit data through a reliable and comprehensive centralized credit information system.

2. Adopt and consistently follow all government practices for efficient government service delivery and prevention of graft and corruption.

3. Capacitate all its departments to reengineer its systems and procedures to

reduce processing time and regulatory burden for the transacting public.

4. Promote the implementation of simplified requirements and procedures that will reduce red tape and expedite business and non-business related transactions in the government.

5. Attend to all applicants or requesting parties who are within the premises of the

office prior to the end of official working hours and during lunch break.

4

V. List of Services Credit Information Management System 5 External Services Request for Individual Credit Report 6 Registration as Accessing Entity 9 Credit Report Inquiry for Accessing Entities 11 Office of the President – Dispute Resolution Team 12 External Services Online Dispute Resolution 13 Finance and Administration 15 External Services Request for Special Statement of Aggregated Consumption for SAEs 16 and Statement of Consumption (SOAC/SOC) for SEs Request for Access Reactivation 17 FEEDBACK AND COMPLAINTS 19 LIST OF OFFICES 21

5

Credit Information Management System External Services

6

1. REQUEST FOR INDIVIDUAL CREDIT REPORT

An individual may request for his or her CIC Credit Report for whatever lawful purpose he or she deems necessary. A credit report is a summary of consolidated and evaluated information containing basic credit data such as name, TIN, SSS and/or GSIS numbers, place of residence, timely repayments, defaults on loans, and other factual and objective information submitted to the CIC by an entity providing credit facility and required by law to submit information or data to the CIC.

Office/Division: Credit Information Management Services (CIMS)

Classification: Simple

Type of Transaction: G2C - Government to Client

Who may avail: All legally qualified individuals

CHECKLIST OF REQUIREMENTS WHERE TO SECURE 1. Application/ Appointment Form (1 printed copy)

Application form is provided through email upon successful registration via the CIC website (www.creditinfo.gov.ph/appointment)

2. Original copy of any two (2) of the following IDs:

a. Philippine Passport Department of Foreign Affairs (DFA) Office

b. GSIS ID or GSIS UMID Card Government Security Insurance System (GSIS) Office

c. SSS ID or SSS UMID Card Social Security System (SSS) Office

d. Driver’s License Land Transportation Office (LTO)

e. COMELEC Voter’s ID COMELEC Office

f. PRC ID Philippine Regulation Commission (PRC) Office

g. IBP ID Integrated Bar of the Philippines (IBP) Office

h. OWWA ID Overseas Welfare of Workers Administration (OWWA) Office

i. Digitized Postal ID Post Office of the Philippines

j. Senior Citizen ID City/ Municipality of the applicant

CLIENT STEPS AGENCY ACTION

FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

ACCOUNT REGISTRATION

1. Proceed to CIC website and choose “Schedule Appointment” under “Services” menu. Fill-out the account registration form https://www.creditinfo.gov.ph/appointment/

1. System opens the CIC Online Appointment Scheduler (CICOAS) and displays the Terms and Conditions to Access.

None Approx. 1 min. Department Manager –

Applications Development Department

https://www.creditinfo.gov.ph/appointment/

https://www.creditinfo.gov.ph/appointment/

7

2. View the available schedule through the date tab.

2.System displays the list of available dates.

None 1 min. Department Manager –


3. Select desired date of appointment through the date tab.

3.System displays the available slots based on the chosen date.



4. Input required details on the personal information and address tabs and type the CAPTCHA code.

4.System encrypts and saves all information in the database.



5. Open confirmation email, download attached application form, open using the password, and print.

System sends schedule confirmation email with a copy of the application form (password protected) in pdf format.



REQUEST FOR CREDIT REPORT

1. Proceed to the Know-Your-Client (KYC) area within CIC Office premises on the scheduled date and time.

1. Verifies applicant’s identity by validating the government identification cards presented by the applicant.

None 10 mins. Data Controller IV

2. Pay fee at the cashier.

2. Processes payment and issues official receipt (OR).

P55.00 5 mins. Budget Officer IV

3. Present OR, together with the application form.

3. Validates application form presented.


4. Verify and confirm the information inputted in the system.

4. Generates the pertinent CIC Credit Report for encryption.


5. Sign the acknowledgment receipt section in the application form.

5. System sends encrypted credit report to applicant’s email


8

NOTE: In the event of system failure of computerized or automatic processing of CIC, and other forces beyond reasonable control, the CIC President shall certify to such fact, which shall be posted in a conspicuous place and manner within the CIC premises.

address and requires the client to sign the acknowledgement receipt section of the application form; Detaches access authorization section of the application form and returns the application form, together with the OR, to the applicant.

TOTAL P55.00 per CIC Credit Report

40 mins.

9

2. REGISTRATION AS ACCESSING ENTITY The CIC allows Submitting Entities (SEs) in Production with at least six (6) months’

continuous submission. This is reckoned from the date the Authorized Representative of the SE clicks YES in the system generated email. The CIC authorizes an AE to access basic credit data, subject to payment of usage fees in accordance with the applicable Memorandum of Agreement, including attachments and annexes on General Provisions, Billing and Collection, and Security Requirements.

Office/Division: Credit Information Management Services (CIMS) – Application Development Department

Classification: COMPLEX

Type of Transaction: G2B - GOVERNMENT to BUSINESS G2G – GOVERNMENT to GOVERNMENT

Who may avail: All SEs in Production who qualified as AE and registered as such

CHECKLIST OF REQUIREMENTS WHERE TO SECURE 1. Accessing Entity Information Sheet (AEIS) (1 Original Copy)

System will send an email to the qualified SE in Production.

2. AEIS Operators’ Form (1 Original Copy) System will send it via email to the qualified SE in Production.

3. Notarized Memorandum of Agreement (2 Original Copies)

System will send it via email to the qualified SE in Production.

4. Secretary’s Certificate/ Board Resolution (attached to the MOA, 1 Original Copy)

To be issued by the SE’s Corporate Secretary

5. SAE Agreement Form (in case the SE wants to access via SAE)

System will send it via email to the qualified SE in Production.


FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

1. Fill out online form. 1. System processes submitted data

None 5 mins.

Information Technology Officer II –


1.1 System sends email confirmation to the SE’s Billing and Collection Point Person (BCPP)

None 5 mins.

Information Technology Officer II -


10


2. Receive email and access the confirmation link provided.

2. System acknowledges confirmation

None 5 mins.

Information Technology Officer II -


3. Submit original documentary requirements.

3. Receives and uploads documents

None 5 mins. Receiving

Officer

3.1 Validates uploaded documents

None 10 mins. Data

Controller IV

4. Make advance payment.

4. Receives payment via online facility or over the counter

None 5 mins. Budget Officer

IV

5. Submit notarized MOA with Secretary’s Certificate or Board Resolution.

5. Receives documents


Officer

5.1 Evaluates and submits documents for signing

None 1 day Attorney V

5.2 Reviews and signs MOA None 3 days President

5.3 Uploads duly signed and notarized MOA


Officer

5.4 Validates and confirms uploaded MOA

None 1 day Attorney V

5.6 Creates and sends credentials

None 1 day

Information Technology Officer II – Technical Support

Department

TOTAL

None

6 days 45 mins.

NOTE: Registration as Accessing Entity is qualified for multi-stage processing.

11

3. CREDIT REPORT INQUIRY FOR ACCESSING ENTITIES The CIC authorizes Accessing Entities (AEs) to access basic credit data from the

Credit Information System (CIS), subject to the provisions of the Memorandum of Agreement between the CIC and SAE, either through web portal or batch access.


Office/Division: Credit Information Management Services (CIMS) – Application Development Department

Classification: SIMPLE

Type of Transaction: G2B - GOVERNMENT to BUSINESS

Who may avail: All Accessing Entities (AEs)

CHECKLIST OF REQUIREMENTS WHERE TO SECURE Registration as accessing entity Online Covered Entity Information Sheet


FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

1. Log-in to the Credit Information System (CIS) online facility.

1. System validates credentials None 5 secs.

Department Manager –


1.1 System displays main screen None

5 secs. (considering

latency of network of CIC/client)



2. Input inquiry parameters (search criteria).

2. System validates data inputted None

5 mins. (based on end-user’s speed)



2.1 System produces/ outputs Credit Report if there is a subject match (with hit)

None 10 secs.



TOTAL

None

5 mins. 20 secs.

12

Office of the President – Dispute Resolution Team

External Services

13

1. ONLINE DISPUTE RESOLUTION PROCESS

Pursuant to Republic Act No. 9510, its Implementing Rules and Regulations, and CIC Circular 2019-01, Series 2019, the Online Dispute Resolution Process (ODRP) allows a data subject with credit report generated from the Credit Information System (CIS) to file a dispute for any erroneous, incomplete, or outdated credit information provided by the entities submitting positive and negative data to the CIC.

Office/Division: Office of the President – Dispute Resolution Team

Classification: Highly Technical

Type of Transaction: G2C - Government to Client

Who may avail: Any individual who has obtained a credit report issued directly by the CIC or any of the Special Accessing Entities (SAEs)

CHECKLIST OF REQUIREMENTS WHERE TO SECURE Credit Report obtained within thirty (30) days prior to the filing of dispute

Either directly from the CIC or any of the Special Accessing Entities (SAEs)


FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

1. File dispute via the CIC website, indicating the Transaction Reference Number (TRN) of the credit report generated from the Credit Information System (CIS) and filling out the mandatory fields.

1. System receives email and sends email notification to the Disputer and the concerned Submitting Entity’s (SE) Dispute Resolution Contact Person.

None 1 day Information Technology Officer II -


2. Reply to SE’s responses, either online through the CIC Helpdesk or offline, pursuant to Sec. IV of CIC Circular 2019-01.

2. CIC monitors communication between SE and Disputer.

None Depends on how the dispute was categorized pursuant to Sec.

IV.4.1 of CIC Circular 2019-

01 which can be 3, 7, or 20 days.

Attorney V

3. Reject or accept within 5 days the SE’s recommendation.

3. CIC receives rejection/ acceptance of the recommendation

None 5 days Attorney V

14


3.1 Issues Resolution

3 days Attorney V

TOTAL None 14 days + SE’s response time

IN CASE OF INACTION BY THE SUBMITTING ENTITY (The Dispute was duly filed but the SE failed to acknowledge and reply.)

1. File dispute via the CIC website, indicating the Transaction Reference Number (TRN) of the credit report generated from the Credit Information System (CIS) and filling out the mandatory fields.

1. System receives email and sends email notification to the Disputer and the concerned Submitting Entity’s (SE) Dispute Resolution Contact Person. However, the SE failed to reply to the Disputer within 5 days.

None 6 days

2. Submits an Affidavit and original copies of supporting documents, if required, within 5 days from receipt of notification from the CIC.

2. CIC receives documents

None 6 days Receiving Officer

2.1 Evaluates all documents/ evidence submitted


2.2 Issues resolution


TOTAL None 20 days

15

Finance and Administration Group External Services

16

1. REQUEST FOR SPECIAL STATEMENT OF AGGREGATED CONSUMPTION FOR SAEs AND STATEMENT OF CONSUMPTION FOR SEs

On top of the CIC’s regular release and sending out of the Statement of

Consumption (SOC) to Accessing Entities (AEs) and Statement of Aggregated Consumption (SOAC) to the Special Accessing Entities (SAEs) every 6th day following the end of reference month, this service may be requested by any Accessing Entity (AE) or Special Accessing Entity (SAE) of the CIC in relation to a possible need to know their current data consumption within a month.


Office/Division: Finance and Administration Group (FAG)

Classification: Simple

Type of Transaction: G2B – Government to Business

Who may avail: Accessing Entities (AEs) and Special Accessing Entities (SAEs)

CHECKLIST OF REQUIREMENTS WHERE TO SECURE Scanned Copy of Duly-Accomplished

Billing and Collection Action Request Form (BCARF)

CIC Finance and Administration Group (FAG)


FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

1. Send duly accomplished BCARF via email at [email protected]

1.1 Receives and prints BCARF

None 1 day

Accounting Support Staff Financial Analyst IV

1.2 Reviews request and endorses for processing

None 1 day

Financial Analyst IV

1.3 Sends special SOC/SOAC via email to the AE/SAE’s Billing and Collection Point Person (BCPP)

None 1 day


TOTAL None 3 Days

mailto:[email protected]


17

2. REQUEST FOR ACCESS REACTIVATION Under Article VIII of the CIC’s Billing and Collection Guidelines that is appended

as “Annex B” of the MOA with Accessing Entities (AEs), an Accessing Entity (AE) or Special Accessing Entity (SAE) may request for the reactivation of data access.

Office/Division: Finance and Administration Group (FAG)

Classification: Complex

Type of Transaction: G2B – Government to Business

Who may avail: Accessing Entities (AEs) and Special Accessing Entities (SAEs)

CHECKLIST OF REQUIREMENTS WHERE TO SECURE Scanned Copy of Duly-Accomplished

Billing and Collection Action Request Form (BCARF)

CIC Finance and Administration Group (FAG)


FEES TO BE PAID

PROCESSING TIME

PERSON RESPONSIBLE

1. Send duly accomplished BCARF via email at [email protected]

1.1 Receives and prints BCARF, and endorse, for processing

None 2 hours


1.2 Reviews advance payments replenishment made and endorses for approval of the request

None 3 days

Collection Support Staff

Budget Officer IV

1.3 Approves the Reactivation Request and prepares Request to Reactivate Access Note: Requests for reactivation during weekends and holidays shall be done on the next working day.

None 1 day

Budget Officer IV



18


1.4 Reactivates access and notifies Collection Support Staff and Budget Officer

None 4 hours

Applications Development Department-- CIMS

1.5 Notifies AEs/ SAEs on the approved request

None 2 hours

Collection Support Staff

Budget Officer IV

TOTAL None 5 days

19

VI. Feedback and Complaints

FEEDBACK AND COMPLAINTS MECHANISM How to send a feedback Answer the client feedback form and drop

it at the designated drop box near the Guard Station at the lobby. Contact info: (02) 8236-5900 or [email protected]

How feedbacks are processed Every Friday, the Information Officer V (Public Relations Head) opens the drop box and compiles and records all feedback submitted. Feedback requiring answers are forwarded to the relevant offices which are required to answer within three (3) days of the receipt of the feedback. Answer to the feedback given is relayed to the client. For inquiries and follow-up, the client may call (02) 8236-5900.

How to file a complaint Answer the client Complaint Form and drop it at the designated drop box near the Guard Station at the lobby. It can also be filed by sending an email to [email protected] or by making a phone call. Please do not forget to include the following information:

a. Name of person being complained b. Incident c. Evidence

For inquiries and follow-up, client may call (02) 8236-5900.

How complaints are processed The Complaints Officer opens the complaints drop box on a daily basis and evaluates each complaint. Upon evaluation, the Complaints Officer shall start the investigation and forward the complaint to the relevant office for their action/explanation.

20

The Complaints Officer will create a report after the investigation and shall submit it to the Head of the Agency for appropriate action. The Complaints Officer will give feedback to the client. For inquiries and follow up, clients may call (02) 8236-5900.

Contact information of CIC-Legal, ARTA, Presidential Complaints Center (PCC), CSC Contact Center ng Bayan (CCB)

CIC-Legal: [email protected] (02) 8236-5900 ARTA: [email protected] or Telephone No. 1-ARTA (2782) PCC: 8889 CCB: 0908-881-6565 (SMS)

21

VII. List of Offices

Office Address Contact Information

Office of the President – Dispute Resolution Team

6th Floor, Exchange Corner Building 107 V.A. Rufino

Street corner Esteban Street Legaspi Village, 1229, Makati

City, Philippines

Tel No.: (02) 8236-5900 Email:

[email protected]

Credit Information Management System

Business Development and Communications

Finance and Administration

CREDIT INFORMATION CORPORATION · 2019-12-10 · a. Philippine Passport Department of Foreign...

Documents

Transcript of CREDIT INFORMATION CORPORATION · 2019-12-10 · a. Philippine Passport Department of Foreign...