Finance
Educational content about money in the Philippines: saving, emergency funds, the Credit Information Corporation and credit scores, finance charges, Pag-IBIG MP2, digital banks and the habits that help you decide better before applying for a card or a loan.
Finance
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Frequently asked questions
Need help? See some questions we get asked frequently.
How do I check my credit report for free?
You are entitled to a free credit report from the Credit Information Corporation, requested online through the CIC or one of its accredited accessing entities (CIBI, TransUnion Philippines, CRIF) after verifying your identity with a valid ID. Requesting your own report does not affect your evaluation.
How much should I keep in an emergency fund?
Between three and six months of your essential expenses, in a separate savings account at a BSP-regulated bank covered by PDIC insurance, or partly in a time deposit or Pag-IBIG MP2, away from your day-to-day account.
Are Kredua articles financial advice?
No. They are general informational content. Every situation is different; for important decisions consult an independent adviser, and for complaints about a financial institution the BSP Consumer Assistance Mechanism or the SEC offer free channels.
Still no answer?
Contact us! Our team of specialists will be happy to help.