How do I know if I have bad debt?

Thiên Bình |

Are you using a credit card or have a loan, but do not know if you have fallen into the bad debt group? Below is some reference information to help you understand the process of looking up your credit information at CIC.

To look up their credit information, customers need to register for an account by downloading the iCIC/CIC Credit Connect (CICB) application on their smartphone or accessing the CIC website at: https://cic.gov.vn.

To look up their credit information, customers need to register for an account by downloading the iCIC/CIC Credit Connect (CICB) application on their smartphone or accessing the CIC website at: https://cic.gov.vn.

For individuals

Step 1: Use your smartphone to download the iCIC/CIC Credit Connect (CICB) application or access the Borrower Connection Portal at https://cic.gov.vn.

- CIC recommends that customers download the app for faster account verification and approval.

- When registering an account, customers must fill in all fields in the registration form completely and correctly, provide front and back photos of their citizen identification card/ID card (CCCD/CMT) and a photo of their face holding the front of their CCCD/CMT.

- Customers should register with CCCD (ID number will be filled in the Other Documents section).

- Account approval results will be notified to the customer's phone/email.

Step 2: After the account is approved, customers log in on the app or website https://cic.gov.vn.

Step 3: Select “CIC Check - Bad Debt Check” on the application or “Report Mining” on the website; select the type of report you want to mine; authenticate the customer; select to buy a credit report.

Step 4: Payment (Customers only have to pay from the second lookup in a year) according to specific instructions on the application or website.

Step 5: Receive report.

For business

Step 1: Access the website https://cic.gov.vn, in the menu "Instructions" select "Digital signature software" to install and add the extension to the browser according to the instructions.

Step 2: Register an account with Digital Certificate, Business Registration Certificate (pdf file) and fill in all required information.

Step 3: In the "Report Mining" tab, select the report type according to your needs and fill in the information according to the instructions.

Step 4: Payment (from the second lookup of the year for the TTTD report) according to the instructions sent to the registered email and phone number.

Step 5: Receive report.

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