Quote Originally Posted by chrismarte View Post
sir boybi sure naman ako na walang criminal records hehehe

yun nga sabi nung BM after 10 years after mabayaran nang buo yung "delinquent credit" bago maclear.
For bad loans, the database is managed by BAP, Bankers Association of the Philippines. Sa credit cards, its CCAP, Credit Card Association of the Philippines. Yes, they keep it for 10 years. But if you have proof that you paid and now have good credit standing, I'd say fight for it. Show them evidence. Go to a bank that will and can fight for you to reverse your bad credit standing. If there's a will, there's a way.

Just my two cents...