What products does CIC currently provide to borrowers?
borrowers can exploit credit reports about themselves.
For individual customers: K11 - Personal loan customer credit information product.
For corporate customers:
K10 - Credit information product for customers borrowing from businesses.
XH50 Corporate credit rating product (Vietnamese/English);
XH51 Credit rating products of the Group, Corporation (Vietnamese/English).
How do customers look up their own credit reports?
To look up their credit information, customers need to register an account by downloading the iCIC/CIC Credit Connect (CICB) application on their smartphone or accessing CIC's website at: https://cic.gov.vn.
For individuals:
Step 1: Use a smartphone to download the iCIC/CIC Credit Connect (CICB) application or access the borrower Connection Information Portal at https://cic.gov.vn.
CIC recommends that customers download the application for faster account authentication and approval.
When registering for an account, customers must fill in complete and correct information at the schools in the registration form, provide a photo of CCCD/ID card, front and back and a photo of the customer's face directly.
The account approval result will be notified to the customer's phone/email.
Step 2: After the account is approved, the customer logs in on the application or website https://cic.gov.vn.
Step 3: Select the section "CIC checking - Checking bad debts" on the application or the section "Exploiting reports" on the website; select the type of report you want to exploit; authenticate customers; select to buy credit reports.
Step 4: Payment (Customers only have to pay the fee from the second lookup in the year) according to specific instructions on the application or website.
Step 5: Receive the report.
For businesses
Step 1: Access website https://cic.gov.vn, in the "Instructions" toolbar, select "Digital signature software", "Digital signature utility" to install in the browser and follow the instructions.
Step 2: Register an account with a Digital Certificate, a Business Registration Certificate (file pdf) and fill in all required information.
Step 3: After the account is approved, in Tab "Report mining", 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) or according to the price policy of the service package that the customer registered to use.
For the Corporate Credit Rating product - XH50, Credit Rating Product of the Group, Corporation - XH51, the payment will be according to the product price prescribed by CIC when exploiting the report.
Step 5: Receive the report.
