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Frequently Asked Questions
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Ano ang Lista?Ang Lista ay isang mobile app na ginawa para makatulong sa bawat Filipino sa paghandle at pagmonitor ng kanilang mga finances. Ilan sa mga features ng app ay ang mga sumusunod: Money tracker. Ino-automate ng Lista ang pag track ng inyong pera sa pang-araw-araw. Utang tracker at payment reminders. Nagpapadala ng FREE SMS ang Lista upang ipaalala sa customer o kakilala niyo ang pagbayad ng kanilang utang. Cash flow, sales, at profit monitoring. Makikita mo ang bawat paglabas at pagpasok ng pera ng iyong negosyo. Credit score aggregator. Sa Lista, pwede mong makita ang credit score mo at kumuha ng credit report mula sa CIBI at TransUnion. Makakatulong ito para mas ma-monitor mo ang credit standing mo at gumawa ng mas informed na financial decisions. Mas may peace of mind ka knowing you’re in control of your credit!
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Nawala ang records ko. Paano ko ito mababalik?Para sa mga concerns tungkol sa inyong data at records sa app, maaari kayong mag message sa aming official Facebook page.
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May bayad ba ang paggamit ng Lista App?Wala. Libre lang ang Lista.
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Pwede ba ako magdagdag ng madaming profiles sa Lista?Oo at walang limit ang paggawa ng profile per mobile number sa app! Kung mahigit sa isa ang iyong negosyo o personal account, maaari kang gumawa ng dedicated profile para sa bawat isa.
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Gaano ka-secure ang pag gamit ng Lista?100% secure! Ang Lista ay mayroong 4-digit PIN requirement bago mo ma-access ang iyong account. Kailangan ang iyong mobile number at 4-digit PIN tuwing ikaw ay magla-log in.
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Pwede ka bang mag cash in sa Lista?Hindi tumatanggap ng pera, ni hindi pwedeng mag cash in o mag money transfer sa Lista App. Isa lamang itong tool para ma-track mo ang iyong mga finances tulad ng personal na cash flow at business transactions o pambayad o utang ng iyong mga customers.
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Paano ako makakakuha ng Lista app?Available ang Lista sa Android at iOS for FREE. Download na via Google Playstore at Apple App Store.
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Pwede bang gamitin ang Lista App kahit walang internet?Yes. Maaaring gamitin ang Lista App online AT offline.
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Ano ang credit score at report?Ang credit score ay isang numero na nagpapakita ng iyong kakayahan sa pagbayad ng utang batay sa iyong credit history. Ipinapakita nito kung gaano ka ka-reliable sa pagbabayad ng mga loan, credit card, at iba pang uri ng utang. While ang credit report naman ay isang detalyadong record ng iyong financial history, kasama ang lahat ng iyong utang, total available credit, at iba pang impormasyon na ginagamit ng mga financial institutions para malaman ang risk sa pagbibigay sa’yo ng loan o credit.
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Paano ko makukuha ang aking credit score at report gamit ang Lista?Madali lang makakuha ng credit score at report basta meron kang active account sa Lista. Sundan lamang ang mga steps na ito: For TransUnion credit score & report: Buksan ang Lista app at i-tap ang ⌵ katabi ng Your Credit Score & Report na makikita sa unang bahagi ng iyong Lista dashboard. Pindutin ang Request Now button at dadalhin ka nito sa pre-KYC verification para i-check kung may records ka na sa TransUnion. I-fill out ang pre-KYC form ng iyong personal details na tugma sa gagamitin mong valid ID. Siguraduhin ang valid ID ay hindi pa expired at dapat match ito sa ginamit mo sa pag-a-apply ng credit card o loan sa mga bangko at iba pang financial institutions. Hintayin lang ang resulta ng verification process. ‘Pag ito ay successful, makakatanggap ka ng pop-up message na nagsasabi ng We’ve found your credit report! Tap ang Continue para sa payment. Ang bawat request ng TransUnion report ay may fee na P349.00. After magbayad, ibabalik ka na ng app sa iyong Credit Score dashboard. Tap lang ang Download Report para makuha ang iyong TransUnion report. Pumili ng folder kung saan ito ilalagay (karaniwan sa Downloads folder ito nase-save sa iyong device). Pumunta sa dedicated folder at hanapin lamang ang file name na TU_Credit_Report.pdf. For CIBI credit score & report: Buksan ang Lista app at pumunta sa Marketplace section na makikita sa baba ng iyong screen. Pumunta sa Others section para makita ang CIBI Credit Score dashboard. I-click ang Get my score button. Basahin mabuti ang instructions at maghanda ng 1 valid ID. Tap ang Proceed. Tap Subscribe at piliin ang iyong payment option. P199.00 ang fee ng bawat CIBI credit score request. I-upload ang iyong valid ID. Punan ang mga kailangang detalye. Siguraduhin na pareho ang iyong buong pangalan, mobile number, at address na nakalagay sa iyong valid ID. Tap Confirm Details. Ma-re-redirect ka sa iyong camera para sa Liveness Check. Sundin ang instructions para makumpleto ang verification. Tap Check My Score and you’re done!
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What is a TransUnion credit score and how do I manage it?A healthy credit score is a powerful financial tool that influences various transactions from the interest rates lenders offer and the credit lines they extend, to the decision to approve or reject a loan application. It affects a consumer’s ability to secure a mortgage, finance a car, or even start a business. Your credit score is included in your credit report and has the following score range which indicates your creditworthiness: Your credit score is calculated based on various factors derived from your credit report. Here are the key factors that impact your credit score: Payment history - Your ability and consistency in paying back debts are reflected in your payment history. This includes whether you pay your credit card bills and loans on time. Late payments, defaults and bankruptcies can significantly affect your credit score. Credit Inquiries record - Each time you apply for a credit product, the creditor makes a credit inquiry. Multiple inquiries in a short period may indicate a higher need for credit and can negatively affect your credit score. Available credit limit - The total amount of credit you have available. Responsible usage of available credit has a positive impact on your credit score. Credit utilization - This factor calculates the percentage of credit you use out of your available credit limit. A well-balanced use of your available credit can help maintain your credit score, such as ensuring that you don’t max out your credit limits. Length of credit history - This is the length of time you have been using credit. A longer credit history provides more data for credit reporting agencies to compile your credit score and lenders to understand your credit habits.
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Why is my TransUnion credit score important for getting my loan approved?Your credit score plays a critical role in the loan application process. After an applicant fills out the application form and hands it over to the lender, the lender first checks the credit score and credit report of the applicant. If the credit score is low, the lender may not even consider the application further and reject it at that point. If the credit score is high, the lender will look into the application and consider other details to determine if the applicant is credit-worthy. The TransUnion credit score works as a first impression for the lender. The higher the score, the better your chances of the loan being reviewed and approved. The decision to approve a loan is solely dependent on the lender and TransUnion does not in any manner decide if the loan/credit card should be approved or not.
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Is my credit score set in stone? How often does it get updated?Your credit score is an ever-changing score that is computed in real-time. Depending on your credit activity, your score can either go higher or lower than it currently is.
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How do I interpret my credit score?Managing your finances well is crucial. You can improve and maintain a good credit score over time by practicing good credit habits. Always pay your dues on time: Late payments are viewed negatively by lenders. Clear out any late payments you have as soon as you can. Keep your balances consistent: Always be prudent to not use too much credit, control your utilization and don’t max out your credit cards. Apply for new credit in moderation: You don’t want to reflect that you are continuously seeking excessive credit; apply for new credit cautiously and only when needed. These actions can help you keep a positive credit history — which is good for your financial profile. Remember, consistent good payment habits are important for building and keeping a good financial reputation.
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What kinds of inaccuracies should I be on the lookout for in my credit report?Incorrect personal details – Your personal information (name, current and past addresses, ID information, phone number, date of birth and employment history) is submitted to TransUnion by banks and lenders. TransUnion reflects on your credit report the information that the bank/lender has submitted to us. It is therefore important that you update your bank every time there is a change in your personal information such as a new address, new job, etc. Inaccurate account details – Banks and lenders contribute data to TransUnion on a monthly basis. If you get your credit report within 30 days of your last payment of dues, it may not be reflected yet. However, payments made 2 months before getting your credit report should be reflected in your account already. Similarly, you may have accounts with banks that you have already closed but still show as open in your credit report, which you will need to have updated.
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There is a mistake on my credit report. How do I get it fixed?Once you have received your credit report on the Lista app, there is a “File a Dispute” button that you can click on the app where you can share your concerns: After clicking the button, you will be shown options on what kind of dispute you want to file. Your options are: This is not my data – If your personal information on your credit report such as your name, address, contact number, etc. are wrong, you may select this category and input the correct details. My data is inaccurate – This category shows two options: Personal information dispute – If details about your chosen ID is incorrect, such as ID number and ID card type, you may fill out the correct information here along with uploading a photo of your ID. Account information dispute – If details about your accounts are incorrect, such as outdated/closed accounts that still show as open and should no longer be reflected in your credit report, you may fill out the correct information along with uploading supporting documents here. Lista and TransUnion will coordinate to resolve your issue as soon as possible.
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What is in my CIBI credit score and report?Your CIBI credit score is a unique measure of your creditworthiness that typically ranges from 300 to 850, based on data collected by CIBI Information, the leading local credit bureau in the Philippines. It focuses on your financial behavior, including loans, credit cards, and payment history, providing a detailed report specific to the Philippine market. Meanwhile, inside your CIBI credit report, you’ll find: Credit History: Details of your past and current loans and credit cards. Payment Records: Your history of on-time or missed payments. Outstanding Debts: Any current balances or debts you still owe. CIBI is more tailored to Filipino consumers, giving lenders a local perspective on your credit status. This makes it especially relevant for anyone applying for loans or financial products within the Philippines.
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What is a credit report?A credit report is a record of your loans and how well you've paid them back. It includes your contact information, employment history, and any public records. Lenders use your credit report to decide whether to give you credit. The information in your credit report comes from banks. They report your credit information to the Credit Information Corporation (CIC).
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How can I get my CIBI credit score and report via Lista?You can get your CIBI credit score and report via Lista for only P199.00 per request. Download the Lista app, create an account, and go to Credit Score. Don’t forget to prepare 1 valid ID to verify your identity.
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What is a Credit Score?Your credit score is a three-digit number that helps banks decide if they will lend you money or give you a credit card. It shows how responsible you are with money. Credit bureaus like CIBI use a few factors to calculate your credit score, including how often you pay your bills on time, how much debt you have, the length of your credit history, and how many different types of credit you have. Different lenders and credit bureaus use different scoring models, so your credit score may vary depending on who you're asking. Note: Credit Score is currently in beta mode. There is a possibility of encountering inaccuracies in your score and credit report. For questions and concerns, feel free to contact us via Facebook Messenger.
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Who is CIBI Information, Inc. (CIBI)?CIBI Information, Inc. (CIBI) is one of the major credit reporting agencies in the Philippines. They help financial institutions prevent fraud, assess creditworthiness, and verify customer identity for you through their consumer solutions. As one of the Special Accessing Entities (SAEs), they use consumer data provided by the CIC to generate credit scores and reports. Please visit https://www.cibi.com.ph/ to learn more about CIBI.
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Who is the Credit Information Corporation?The CIC is a government-owned corporation that collects credit information from banks, utility companies, and insurance companies. They make this data accessible to consumers and businesses so they can make informed financial decisions. To date, the CIC has accredited four credit reporting agencies, including CIBI Information, Inc., to access the database and provide credit reports, ratings, and other similar credit information products and services to consumers and businesses. Please visit https://www.creditinfo.gov.ph/ to learn more about the CIC.
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What is the relationship between CIBI and Lista?CIBI and Lista have partnered up to make it easier for you to get your credit report and score. With just a few taps on the Lista app, you can get your credit information from CIBI, the government-owned and CIC-controlled credit bureau.
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Can I apply for a credit report on behalf of another individual via Lista?No. Since Lista requires you to undergo a live KYC (Know Your Customer) process (i.e. providing your government-issued ID and live selfie), it is not possible to apply for a credit score and report on behalf of another individual.
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What IDs are accepted upon getting my credit score and report?To get the most accurate information about your credit profile, use the same ID you used when you applied for credit. The system accepts the following IDs: Most commonly used: TIN, SSS, UMID, and Driver’s License.
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Why is it important to check my credit report?Your credit report is a big deal. Banks use it to decide if they'll lend you money, so it's important to check it regularly for errors and signs of identity theft. You can verify its accuracy and protect your financial information by reviewing it.
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I don't have any existing credit card or loan. Can I still request a credit report?Yes, you can still apply for a credit report even if you don't have any existing credit cards or loans - but expect to get a “No Match” or zero score as a result.
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I need my credit report as a requirement for my loan/credit applications. How can I request a PDF copy of my credit report via Lista?Unfortunately, Lista does not currently support exporting your credit report in PDF format. However, you can still request a copy of your credit report from CIBI via their website and they will send it to you via email.
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How long does my negative credit information remain on my credit report?As long as the account is still open or not yet closed, banks and lenders are required to submit all borrowers' credit data to the CIC. So, if bad or negative credit information still appears on your report even after it has been cleared with your bank, please file a dispute immediately to update your credit profile.
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How often does my credit report get updated?Banks have to submit updates on their borrowers' credit information to the CIC within 30 days of receiving it from their customers.
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How is my credit score calculated?Credit bureaus calculate your credit score based on 5 criteria: Payment history: How often you make payments and if you pay on time Amount owed: How much of your credit limit is used Length of credit history: The age of your credit accounts Types of credit: Credit cards, loans, etc. you’ve used New credit: How often you open new accounts and apply for credit
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How can I improve my credit score?Here are some quick and easy ways to improve your credit score: Check your credit report regularly for errors. Pay your bills on time. Keep your credit utilization low. Consider requesting a credit limit increase. Keep old accounts open. Be cautious when applying for new credit.
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What is a good score to be approved for a credit card or loan?Credit scores generated by CIBI range from 300 to 850. A score of 650 to 749 is good, while a score below that may be considered poor or very bad. But lenders and banks consider other factors too, like your debt, payment history, and income before they approve or reject your credit application.
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I didn't get a credit score (i.e. received a 0 score or ‘No credit score yet’). What does it mean and how do I resolve it?There are 2 possible reasons: You have insufficient credit data for scoring. The credit report does not provide enough information under your name, meaning your credit history is limited or too short for evaluation, which leads to a lack of actual credit performance. CIBI requires at least 24 months’ worth of credit information uploaded to the CIC database to generate your credit score. The latest information on your credit report is outdated. So if you have an active credit or loan account and it is not reflected in your credit report, please file a dispute immediately using the pre-templated email via the Lista app. Once your email is acknowledged, CIBI will process your dispute and investigate the issue. If they need more details about you, they will directly reach out to you to request such information.
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I got a zero or ‘No credit score yet’ result despite having an existing credit card or loan. How do I correct this and get an accurate credit score?There are 2 possible reasons: Your ID or information may not match the records uploaded to CIC’s database. Make sure to use the ID or other information you used upon opening a credit card or loan account with your preferred bank. Your credit Information is not yet in CIC’s database. This can be corrected by filing a dispute using the pre-templated email via the Lista app. Once your email is acknowledged, CIBI will process your dispute and investigate the issue.
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I got a ‘Multiple Matches’ result. What does it mean and how do I resolve it?It means there are at least 2 or more profiles under your name that are uploaded to CIC’s database. This situation is similar to obtaining an NBI certification, where searching for common names often yields multiple results. When this happens, please file a dispute immediately using the pre-templated email via the Lista app. Once your email is acknowledged, CIBI will process your dispute and investigate the issue. If they need more details about you, they will directly reach out to you to request such information.
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How to file and what do I need in order to file a dispute?If you have any concerns or questions about your credit report or score, you may raise a credit report dispute directly to CIBI. Here’s how: Open your Lista App and tap View Full Details (View my full credit report). Click I want to file a dispute. You will be redirected to your email app. In the message body, make sure to include a description of your dispute and a screenshot of your credit score with the full credit report. Hit Send. Once your email is acknowledged, CIBI will process your dispute and investigate the issue. If they need more details about you, they will directly reach out to you to request such information. You can also file a dispute to the CIC via https://www.creditinfo.gov.ph/dispute/ You may refer to this link on the step-by-step process in filing a dispute - https://www.creditinfo.gov.ph/how-file-dispute Make sure you have a valid 14-digit Transaction Reference Number (TRN) and a soft copy of your Credit Report in order to successfully file a dispute.
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I found incorrect, outdated, and/or missing information in my credit report, what should I do to correct it?You may need to file a dispute with CIC in order to alert the concerned Financial Institution to update your records in CIC’s Database.
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Where can I find or get a Transaction Reference Number (TRN)?The Transaction Reference Number or TRN, is a 14-digit number required by CIC in order for an individual to file a dispute in their credit report to CIC. The TRN is being provided by CIBI and is only valid for 30 days. To request a TRN, send an email to creditbureausupport@cibi.com.ph
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How long before my dispute can be resolved?If the dispute is in relation to the More Subject Match error, turnaround time (TAT) is normally 3 to 5 working days, depending on the investigation and requirements of CIC.
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My filed dispute is already resolved, can I request for an updated credit report?Yes, you need to advise Lista via Facebook Messenger that the dispute has been resolved in order for you to successfully re-inquire.
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What is the role of CIBI and CIC in my dispute?When you file a dispute with Lista, they will forward it to CIBI. CIBI will then facilitate the filing of the dispute to CIC. They will also conduct a preliminary investigation to determine if the dispute is valid. CIC will then investigate the dispute and take appropriate action. This may include merging information from different sources, updating information, or even deleting information. Lista will keep you updated on the status of your dispute and will let you know when it is resolved.
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Do I need to pay again if I want to request for an updated credit report?No. If you're requesting an updated credit report because of a dispute that was already resolved, you don't have to pay again. But if you're requesting an updated credit report that was processed more than 30 days ago and there was no dispute, then you'll need to pay again.
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How long is the validity of information in my credit report?Your credit report is a snapshot of your credit profile. It shows lenders how you've managed your credit in the past, and it can affect your ability to get approved for loans and credit cards. The validity of your credit report depends on when it was generated. If you're using it for credit approval, make sure it's up-to-date. The CIC updates your credit information every 30 days, so if you're applying for a new credit account, request a copy of your report at least 30 days before you apply.
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I applied for a new credit card or loan, how soon will it be reflected in my credit report?The update will be reflected in your credit report within 30 days, or when your bank submits an update on your credit information to the CIC.
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How can I contact Lista, CIBI, or CIC to request further information that is not addressed in this FAQ?Lista Website: https://www.lista.com.ph/ Facebook: https://www.facebook.com/ListaPhilippines/ CIBI Website: https://www.cibi.com.ph/ Hotline: +632 8281 2424 Email: creditbureausupport@cibi.com.ph CIC Website: https://www.creditinfo.gov.ph/ Hotline: +632 8236 5900 Email: cichelpdesk@creditinfo.gov.ph
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What is Cashflow Sync?Cashflow Sync automatically imports your bank and e-wallet transactions from your device to your Lista account. This means you don’t have to manually track your spending and income anymore, saving you a ton of time and effort. Update as of Aug 28, 2024: Cashflow Sync is no longer available on Lista.
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How do I use Cashflow Sync?It’s easy and it just takes seconds! Here’s how you can set it up: Download Lista and open the app. Create your Lista profile. Tap Continue. Tick the Terms & Conditions checkbox and tap Proceed. Lista will ask you permission to view your transaction history. Tap Allow. You can turn this off later. Wait for the app to finish importing your transactions. Review the accounts and transactions found on your device. Deselect items if necessary. Otherwise, tap Proceed. You will be taken to your updated Transactions tab and you’re done! Cashflow Sync will continue syncing in the background.
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Is this free?Yep! You can use it as much as you want without paying a subscription fee. Note that you can only sync up to 3 months of transactions upon setup.
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Is using Cashflow Sync safe?Absolutely! Lista is committed to protecting your private information and we take your security very seriously. We are registered with the National Privacy Commission (NPC) in compliance with the Data Privacy Act. We’ve also partnered with Secuna, a leading cybersecurity company in the Philippines, to protect your data.
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What are the benefits of using Cashflow Sync?It’s the easiest way to manage your money! Cashflow Sync automatically syncs your transactions so you can track your financial activity effortlessly. With all your spending and income in one place, you can stay organized and make better decisions.
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Can I sync my transactions offline?Yes, and that’s what makes Cashflow Sync great. You can effortlessly manage your money anytime, anywhere, even offline!
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How far back can Cashflow Sync bring in to my Lista account?Cashflow Sync can only fetch up to 31 days of transactions upon setup.
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Why are my GCash transactions not reflecting on my account?As of now, Cashflow Sync is still in beta. So there’s a chance that some transactions may be missed. But don’t worry, we are continuously improving this feature to include transactions from all e-wallets and banks soon!
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My records are gone! How do I get them back?To recover your missing and deleted data, please send us a message on Facebook.
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What exactly is a Telco Score?It’s a credit rating tool that taps into your Smart or Globe mobile use to evaluate how reliable you are with loans and credit cards.
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How can I access my Telco Score?It’s easy! Just open your Lista app and tap the Telco Score icon. Verify your Smart or Globe mobile number associated with your Lista account, and voila! Update as of Aug 28, 2024: Telco Score is no longer available on Lista.
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How does it differ from regular credit scores?Think of it as the alternative version of credit scores. Instead of traditional bank data, it looks at your mobile usage. It’s a great option for people without a typical credit history.
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Is it widely accepted by banks and lenders?Absolutely! Nowadays, they’re catching on the inclusive value of alternative credit scoring. It’s like the new way to show your creditworthiness, especially if you’re yet to establish a formal credit history.
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Does it cost anything to check my Telco Score?Usually, it’s on the house 😉 Just make sure to keep your Lista account active!
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What counts as a good Telco Score?Telco Scores range from high to low risk in 10 bands. Bands 5-8 are in the middle and 1-2 are high risk. But hit 9-10, and you're likely a top-tier VIP subscriber of your network provider 😉
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Is my info safe with FinScore and Lista?We take your privacy seriously (and we love to keep things on the down low). Trust that your info is forever locked and confidential.
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Can I make my Telco Score better?Yep, you can! As long as you have an active Smart or Globe number, you’re right on track! Just reload often, call up your friends, or browse the internet with your mobile data.
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How often does my Telco Score get updated?Your score climbs (or dips) depending on your mobile behavior such as reload patterns, voice, text, or mobile data usage, duration of calls, SIM card age, and more.
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Help! I encountered an issue with my Telco ScoreNo worries, our customer support team is here for you! Just hit us up on Facebook Messenger and we’ll take care of the rest.
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What is InstaLoan?InstaLoan is a microloan service that lets you borrow money right when you need it via Lista. Update as of August 28, 2024: InstaLoan is no longer available on Lista.
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How much money can I borrow through InstaLoan?You can request for a loan starting from P1,000, P3,000, up to P5,000. There’s a 5% interest fee on top of what you can borrow.
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How do I apply?To apply, make sure you’ve got a credit score and an active Cashflow Sync on your Lista account to get your preferred credit limit. Once that’s taken care of, accomplish the application form and wait for your approval!
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How do you decide whether I’m qualified for an InstaLoan?Your Lista activity determines your chances of loan approval. We look at stuff like how regularly cash flows in, income, credit score, and if you’ve got a habit of paying on time.
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How soon ‘til I get my InstaLoan?You'll get your much-needed money just within the next few business days after your application -- that's the beauty of InstaLoan! Don't worry we'll let you know ASAP when your funds are on the way.😉
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Where can I withdraw my InstaLoan?Your InstaLoan will be disbursed to your preferred e-wallet or bank. Just make sure your Lista account is active and verified so you can cash out your loan.
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When do I pay for my InstaLoan?You've got 1 month to pay back your InstaLoan, and you can do it in bi-weekly installments. To avoid late fees, make sure to pay your InstaLoan bills at least 2 days before they’re due.
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How do I repay for my InstaLoan?You can send in your repayments via direct bank deposit at: Account name: BPC Lending, Inc. Account number: 0018 6000 2447 Bank: Union Bank of the Philippines After making your payment, kindly share the screenshot of your transfer receipt or reference number with us via Facebook Messenger.
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I missed a payment. How much will be my late fee?If you missed the due date for your repayment, your loan payment will be overdue. If your payment is more than a month late based on your repayment plan, an additional 5% of your remaining balance will be added each month until your payment is complete.
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Are you accepting loan applications at the moment?Yep, we are! Apply online anytime, anywhere, via the Lista app. Quick note, though: we exclusively review applications from Monday to Friday only. So if you apply over the weekend (Friday-Sunday), expect your loan approval and cash to hit your account on Monday.
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How many loan applications can I go for?You’re welcome to apply as many times as you wish. Just keep in mind, we’ll only be looking at the very first application you send our way.
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