Is CMAP Blacklist True?

No and Yes.

NO, because CMAP does not label its listings as CMAP Blacklists. In every report that it releases to a requesting member, it includes a disclaimer that starts with “This is not a blacklisting of any person or company.

YES, because once a person’s name is on a CMAP listing, the person is considered by CMAP members as if he or she is on a CMAP Blacklist. The listed customer’s applications for condo loans, home loans, personal loans, car loans or credit cards are rejected. Sometimes, even applying for a checking account is denied. So in effect, these listed customers are on a “CMAP Blacklist.”

This is supported by the statement of the Credit Card Association of the Philippines on its website: “Once your account becomes delinquent, your bank will add you to a blacklist that is shared amongst other financial institutions in the Philippines…”

couple on CMAP blacklist

If you’re a member of Facebook groups, you might have seen anonymous questions about how to remedy CMAP blacklists. You’ll read stories of people who have spent lots of 10Ks or 100Ks for their condo down payments and initial amortizations only to find out later that their bank loan applications have been rejected because of their past delinquencies.

In Facebook car groups, you’ll see offers from car brokers that go like this: “Nasa CMAP Blacklist ka ba? Don’t worry! We have your back. Just DM me.”

Or like this: “Paunahan na lang. Fortuner 4×2. Assume balance. Great opportunity para sa mga blacklisted ng bangko.”

Meron ding ganito: “DECLINED from Dealer? Tadtad ka ng CMAP? Dito sa amin, approved ka basta meron kang pang-down.”

At ito ang masaklap! –>Pass sa may CMAP blacklist, nabatakan ng sasakyan or nag-surrender kahit my certificate of full payment ka pa, utang sa credit card, masasayang lang oras naten parehas mga mam/ser.”


CMAP means Credit Management Association of the Philippines. It aims to facilitate mutual and reciprocal exchange of quality credit information among members.

It’s a non-profit association of more than 400 companies in finance-related industries (mostly banks, lending companies, insurance firms, telecommunications firms, and trading companies).

Whenever a new customer applies for a loan or a credit card to a CMAP member bank or lender, the member checks with the CMAP if the customer is in one or more of its listings.

What Are CMAP Listings?

CMAP Listings consist of names of persons or companies with past delinquencies or finance-related court cases in major Philippine cities.

Information on delinquencies or court cases are submitted by CMAP members or obtained by CMAP from courts and shared with inquiring members.

These are CMAP Listings:

  • Listing of Returned Checks (Tumalbog na Tseke)
  • Listing of Credit Accounts Endorsed to Lawyers
  • Listing of Past Due Accounts from Telecommunications Firms
  • Listing of Past Due Accounts from Manufacturing Companies
  • Listing of Court Cases in Metro Manila, Cavite, Laguna, Batangas, Cebu, Davao and other major cities, involving any of the following:
    • Estafa
    • Batas Pambansa No. 22 (Anti-Bouncing Checks Law)
    • Sum of Money
    • Swindling
    • Ejectment
    • Falsification of Public Document
    • Replevin (Legal process to claim personal property wrongfully taken or held, kagaya ng mga vehicles na hihilain na usually after 3 months of non-payment of amortization)
    • Attachment of property (to make sure merong pambayad ang defendant sakaling manalo ang complainant)
    • Foreclosure
    • Unlawful Detainer (Unlawful withholding of possession of property after the expiration of right to hold possession)
    • Illegal Recruitment
    • Other Deceitful Acts

List of Banks that are CMAP Members as of September 2020

  • All Bank (A Thrift Bank)
  • Bangko Kabayan (A Thrift Bank)
  • Bangko Mabuhay (Rural Bank of Tanza)
  • Bank of Commerce
  • Bank of the Philippine Islands
  • Batangas Rural Bank for Cooperative
  • BOF Inc. (A Rural Bank)
  • BPI Family Bank
  • Cebuana Lhuillier Rural Bank
  • Century Savings Bank
  • China Bank Savings
  • China Bank Corp.
  • Citystate Savings Bank
  • CTBC Bank (Philippines)
  • Development Bank of the Philippines
  • Enterprise Bank
  • First Commercial Bank
  • First United Farmers Rural Bank
  • Grand Agri Rural Bank
  • Imus Rural Bank
  • Industrial and Commercial Bank of China (Manila Branch)
  • Innovative Bank (A Rural Bank)
  • Key Rural Bank
  • Land Bank of the Philippines
  • Lifebank (A Rural Bank)
  • Lipa Bank (A Rural Bank)
  • Luzon Development Bank
  • Malarayat Rural Bank
  • Malayan Bank Savings and Mortgage Bank
  • Maybank Philippines
  • Metro South Cooperative Bank
  • Metropolitan Bank and Trust Co.
  • New Rural Bank of San Leonardo (Nueva Ecija)
  • Opportunity Kauswagan Bank
  • Overseas Filipino Bank
  • Philippine Bank of Communications
  • Philippine Business Bank
  • Philippine National Bank
  • Philippine Resource Savings Banking Corp.
  • Philippine Savings Bank
  • Philtrust Bank
  • PlanBank (Rural Bank of Canlubang Planters)
  • Producers Savings Bank
  • Rizal Commercial Banking Corp.
  • Robinsons Bank
  • Rural Bank of Lipa City (Batangas)
  • Rural Bank of Plaridel
  • Rural Bank of San Antonio (Quezon)
  • Rural Bank of San Luis (Pampanga)
  • Rural Bank of San Rafael (Bulacan)
  • San Bartolome Rural Bank
  • San Francisco Del Monte Rural Bank
  • Security Bank
  • Sterling Bank of Asia
  • Union Bank of the Philippines
  • United Coconut Planters Bank
  • University Savings Bank
  • Yuanta Savings Bank Philippines

Can the Public Search the CMAP Database for a Fee?

No, only CMAP members can access the CMAP database.

If I’m on a CMAP blacklist, how can I remove my name from it?

The first step is to negotiate with the bank or company that submitted your delinquency record, pay the total amount agreed upon, and get a Certificate of Full Payment. If you can include in your agreement that the bank or company be the one to request CMAP to remove your name from the list, the process of removal might be easier. Some lenders though might refuse to do it and just issue the certificate.

Make copies of the certificate, and if possible, keep also the original copy, so you have something to show other creditors in the future, in case your delinquency remains in the CMAP listings.

There’s also the assumption by many that you can never really remove your name from a “CMAP Blacklist.” They say that even if you have submitted your Certificate of Full Payment to the CMAP, your account and name will not be deleted, but will have a note beside it — that you have already made full payment on a certain date.

Here’s a statement from the Credit Card Association of the Philippines about not paying your credit card debts on time:
Even if you have settled all your credit card debt, the damage has been done and a certificate of full payment won’t instantly change a negative credit score.

There’s a Credit Report You Can Get for 235 Pesos

If you like to have an idea of what credit information is being shared about you, you can request for a credit report from CIBI Information Inc., one of the accredited credit bureaus of the government-owned corporation Credit Information Corp. (CIC). As of today, the cost of the credit report is 235 pesos.

The CIBI Credit Report contains a detailed summary of all your borrowing and repayment activities with banks, other financial entities and other companies that are submitting reports to the CIC.  It includes of your loans, credit cards, mortgage, and other financial transactions.

You can download the CIBI mobile app using your Android phone and apply using the app. Sorry, as of April 2021, hindi muna available sa Apple or Google itong CIBIApp. Punta ka na lang muna dito: CIBI Report

Or if you like using your desktop PC, you can access the CIBI app here: CIBI Credit Report app.

You will need to register, fill up a form, then perform a video call to prove to CIBI you’re really the person asking for the credit report. You’ll use the MeetMe video call feature of the CIBI app.

Here’s a detailed guide on how to get your CIBI Credit Report online.



  1. Marissa Diego 07/03/2021
    • Nora 07/03/2021
  2. Ryan Acepcion Fuentes 07/13/2021
    • Nora 07/14/2021
  3. Ramil 09/24/2021
    • Nora 09/25/2021
  4. Christian 10/18/2021
    • Nora 05/02/2022
  5. Lady katherine kuizon 04/04/2022
    • Nora 05/02/2022
  6. Orlando De Guzman Santos 05/02/2022
    • Nora 05/02/2022
      • Ma Teresa 08/23/2022
  7. jamila marlin 05/19/2022
    • Nora 05/20/2022
  8. Bok 05/25/2022
    • Nora 05/25/2022
  9. Leslie 06/13/2022
    • Nora 06/13/2022
  10. Nikko Dee 07/11/2022
    • Nora 07/11/2022
  11. Abby 07/15/2022
    • Nora 07/15/2022
  12. Ma Teresa 08/08/2022
    • Nora 08/08/2022
  13. Michel Centino 08/17/2022
    • Nora 08/17/2022
  14. Juan dela cruz 10/26/2022
    • Nora 10/26/2022
  15. Xiel 01/13/2023
    • Nora 01/14/2023
  16. Maegan 01/26/2023
    • Nora 01/26/2023
      • Ralph 02/17/2023
        • Nora 03/17/2023
  17. Kristine 03/17/2023
    • Nora 03/17/2023
  18. Maggy 05/24/2023
    • Nora 05/24/2023
  19. Rod 06/21/2023
  20. Lord 07/10/2023
    • Nora 07/10/2023
  21. Oliver D. Silorio 07/17/2023
    • Nora 07/19/2023
  22. Fred Magnaye 08/24/2023
    • Nora 08/25/2023
  23. Jhoe 08/24/2023
    • Nora 08/25/2023
  24. Je 11/14/2023
    • Nora 11/15/2023
  25. Jane Boholano Berola 04/15/2024
    • Nora 04/23/2024

Leave a Reply