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…”
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.”
WHAT IS CMAP?
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:
- Batas Pambansa No. 22 (Anti-Bouncing Checks Law)
- Sum of Money
- 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)
- 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.
- CMAP website: Credit Management Association of the Philippines
- Civil Case involving Momarco Import Co. and the Jonsay couple versus CMAP (Regional Trial Court, Branch 96, Quezon City)
- CCAP Website: Credit Card Association of the Philippines
- CIC Website: Credit Information Corp.
How will I know my status at CMAP can I get a record whom I cn check my name which lender or bank I have CMAP.
Hi Marissa, sad to say, hindi open to the public ang CMAP records. Yong mga member companies lang ang nakaka-access sa CMAP. Merong service ang CIBI dito: https://cibiapp.cibi.com.ph/#/login. Hindi siya CMAP pero makikita mo ang credit report mo. Merong charge na around 300 pesos.
Bakit po ako nasa cmap Sabi ng agent ng bank nahatakan daw ako ng sasakyan eh Wala Naman akong nahatak na sasakyan. Maari po bang malaman ano pwede gawin para matanggal Ang pangalan ko sa cmap?
Hi Ryan, meron ka kayang kapareho ng complete name? Siguro naman tiningnan din ng agent yong address at iba pang personal data. Meron ka bang ibang hindi nabayaran na pedeng magreport sa yo sa CMAP? Kasi ang pede lang magpatanggal ng report ay yon ding nag-submit ng report. Ang mga nagsa-submit ng reports ay mga companies na members ng CMAP. Other reports ay galing sa mga courts (foreclosures, replevin, bounced check, etc). Merong contact page ang CMAP, try mo mag-message sa kanila:http://www.cmaphil.com/ContactUs.aspx
I applied for my credit score in CIBI. I asked them during the interview if makikita ko history ko, kung saang institutions ako may utang and how much so I can settle them. Score lang ang binigay sa akin and my latest credit history for the last 24 months kaya hindi ko ma settle. I believe nasa cmap list din ako kasi hindi ako makapag apply ng card.
Hi Ramil, icheck mo itong list of CMAP members, baka lang maalala mo kung saan ka naging delinquent. Ang BDO wala sa list, pero merong China Bank at BDO Leasing which are BDO’s affiliates. Puede ring hindi ikaw ang dahilan kung bakit di ka ma-approve, puedeng marami nang delinquent cardowners sa company mo or sa industry mo. Okay rin if you can open an account doon sa bank where you want to apply for a credit card at i-maintain mo and deposit regularly.
paano ko po maki clear ang name ko sa CMAP ksi po every time na mag aaply ako ng auto loan declined ako ksi nakikita ung name ko sa cmap list, even meron na ako supporting documents or certificate of full payment galing sa bank.
Hi Christian, sorry for the much delayed reply. I don’t know why I did not see this earlier. Sabi ng mga nag-aanalyze ng credit trends, hindi raw nabubura ang delinquent record sa CMAP kahit fully paid na. Nalalagyan lang daw ng remark na fully paid na. This means nakikita pa rin ng mga banks ang delinquent record kahit merong remark na fully paid na.
Hi. Pati po mga mga pldt kasama sa sa pag checheck ng list? Ilang years po ba bago ma clear sa CAMP incase walang pang settle?
Hi Lady, oo, member ng CMAP ang PLDT. Ito ang list of CMAP members. Kung hindi mabayaran ang utang o payable, hindi malalagyan ng PAID mark ang record ng borrower at hindi maki-clear ever.
Good AM po,
Ask lng po ako paano ko po matatanggal yun cmap ko po? At anong company at saan ako magbabayad?
Hi Orlando, it’s sad pero CMAP does not give reports to non-CMAP-members. Isipin mo na lang kung saang bank ka hindi nagbayad o nagkulang sa bayad at doon ka makipag-usap. Before paying, ask them to issue you a certificate of full payment. Hindi raw natatanggal ang record sa CMAP, nalalagyan lang ng note na nabayaran na ng borrower ang utang o payables. Ito ang list of CMAP members. Check mo saang banks o companies ka naging delinquent.
Good morning po, question lang po ilang months po pwede mag apply for loan after ma full payment?
kasali ba ng SSS loan sa CMAP?
Hi Jamila, hindi. Hindi CMAP member ang SSS.
Pano pag voluntary surrender ko ung unit ng autoloan ko pero may balanse pa ako na unpaid, bale sinurrender ko na s kanila pero may ack receipt n copy ako ng voluntary surrender, my chance b ako mclear s kanila at makpgapply ako ng loan?
Hi Bok, sad to say, ang voluntary surrender ay isa ring uri ng delinquency. Considered delinquent ka pa rin kahit isosoli mo nang voluntary, although mas gusto yan ng banko kesa magpagod at gagasto pa sila nang malaki para i-repossess ang car. It means aapir pa rin sa CMAP na delinquent ka kahit voluntary surrender ang ginawa mo. At makikita ng mga ibang banks yang delinquent record mo. Isa pa ring delinquency kung hindi mo rin mabayaran yong balance mo after voluntary surrender. Halimbawa, mabenta nila yong sasakyan pero kulang pa rin yong pinagbentahan na pambayad doon sa car loan mo. It’s best to negotiate with your lender, if you can, na isosoli mo yong car at wala ka nang babayaran pa na balance. Merong mga tips sa youtube by Filipino car loan vloggers about other ways to loan if you have CMAP record.
Hi po.. ask ko lng po why may record ako sa cmap na may dalawang acct. daw ako na refered to lawyers only this feb2022 and March 2022, reported over 90days past due daw, worst is Million daw utang ko, eh wala namn po ako utang ng ganun..confident ako na wala tlga ksi sa baba ng sahod ko,wala mgppautang sakin ng ganun..I ask for details po sa bank namin nagcmap sakin, pero wala maibgay na details…I ask for my 2 friends who was working po sa commercial bank pero no record po ako sa cmap nila..please help po ksi this caused me so much stress, and I never had a loan n ganun Kalaking amount…maapektuhan ksi employment ko nito…..please help po..
Hi Leslie, kung wala kang delinquent loan, don’t worry. Kung wala kang credit card na hindi binayaran, don’t worry. Huwag kang ma-stress. Mainis ka lang ng sandali, then don’t think about it so much. Yong stress mo ba ang nakaka-affect sa job mo? Huwag mong hayaang ganoon. Nagka-car loan ka ba? Then pumunta ka sa ibang bank, kasi sabi mo naman walang nakita yong 2 friends mo na nasa ibang banks. Wala naman silang nakita, so stop worrying so much. If you like, try mong mag-request ng credit report dito: https://cibiapp.cibi.com.ph/#/login. Hindi ko sure kung okay na, kasi merong mga nagko-comment na hindi pa okay ang registration nila. Pero I hope na working na.
Hello! Ask ko lang po if ever iaccept ko ang renegotiation/restructuring na inooffer ng bank para sa credit card balance ko magrereflect parin sa CMAP? Also, may possibility ba na di na ako makapag abroad or ma hit sa NBI dahil sa restructuring? Thank you
Hi Nikko, more than 3 months na ba ang lumipas mula sa first due date na hindi ka nakapagbayad? Meron na bang collector or lawyer firm na tumawag sa iyo about your account? Merong possibility na naireport ka na nila sa CMAP. Pero dahil bank pa rin ang sabi mong nakikipag-usap sa yo, it’s possible din na hindi ka pa nareport. Tanungin mo na lang yong kausap mo. Kung nasa CMAP na ang account mo, at later nabayaran mo in full, andon pa rin ang record mo (stays there for a number of years) with a note that you have already paid your balance in full. Doon naman sa NBI, ang alam ko, court records lang ang nag-aapir doon. Kung wala namang lawsuit filed against you, halimbawa, bounced check or estafa, kahit naging delinquent ka, wala kang bad record sa NBI
Cam CMAP file a case against you? We received a notice that since we weren’t communicating / responding that the banking institutions and CMAP decided to file a case against RA 8484 . May I ask if there’s some truth to this?
Hi Abby, if you became delinquent with your bank loan, it’s the bank that might want to file a case, not CMAP. CMAP is just a keeper and disburser of financial delinquency and court case records. RA 8484 is about intent to commit fraud using credit cards, debit cards, and other electronic means of transferring money. Example: When someone borrows 500k, spends all right away, then never pay any cent, then changes home address, phone nos. and work info, there could be intent to fraud in this case. It will be the bank that will prove intent to fraud.
Banks usually do not like to file cases against delinquent credit card owners, especially if the amount is not that big, but they will pay collectors to collect or sell delinquent accounts to collectors. It is these collectors who will implement tactics, including threats of filing cases, to collect.
good afternoon po magtanung lang po i have cmap record but na settled ko na po Ang due ko and with certificate of full payment last month Question lang po kelan po Ako pwede mag loan sa bank ? Possible po ba ma approve and when po mawala record ko sa cmap?
Thank you in advance
Hi Ma Teresa, sorry pero hindi agad natatanggal sa CMAP ang delinquency record kahit nabayaran mo na. Sabi ng mga meron experiences na, ino-note lang daw doon sa record na Fully Paid na, pero andon pa rin yong record, hindi binubura. It means bahala na yong bank kung ico-consider nia ang loan application ng once-delinquent borrower na nag-fully paid. Advise ko lang na huwag ka munang magdown o maghulog ng equity kasi baka hindi ka ma-approve later on, sayang yong mga down and equity payments na hindi refundable. Almost all pa naman na purchase contract is non-transferable.
Pag nag apply ako ng housing loan sa pagibig at nsa cmap name ko dba aq ma approve ng pagibig housing loan?
Hi Michel, wala sa list ng CMAP members ang Pag-ibig o HDMF, so I think hindi kasali ang CMAP sa approval factors ng Pag-ibig.
Nasa Cmap po ba ang Gm bank?
Hi Juan, wala sa CMAP member list ang GM Bank. Pero merong mga companies na hindi CMAP member pero they get CMAP info from their sister company na member. Example, ang BDO, wala sa member list, pero member ang BDO Leasing.
Hi! Cleared na po kasi ung sa court case pero nag aappear pa din xa sa cmap.. gaano po katagal bago mawala xa sa cmap? kagit sa status kasi is blank lng xa. Tia po.
Hi Xiel, based sa mga comments online, hindi binubura ng CMAP ang listings nila. Dinadagdagan lang ng remark. Halimbawa, pag nabayaran na fully ang credit card arrears and penalties na nasa CMAP, hindi binubura ng CMAP ang listing, isusulat lang ang remark na something like “Paid and Settled Fully by Borrower on…”. You can contact CMAP email@example.com 8818-2372 8817-8386 and ask if you can send them proof that your court case has been resolved or dismissed.
I received an SMS advising that CMAP is the complainant for a case that is being filed against me.. specifically article 1170 and article 315… is there truth to this?
Hi Maegan, CMAP is the complainant? Did you have a contract with or an obligation to pay money to or do something for CMAP? If none, CMAP can not file a case against you. CMAP is an organization that collects delinquency data for its members. It’s not a lender or a telecommunications company. The entities that can file a case against you are banks, credit card issuers, lenders, or people that you owe money or you owe services, or people whom you caused injury, etc.
Hello..pag nagchange ng address,maaupdate din ba si cmap about the new address? Para dun mapadala ang mga notices? Salamat
Hi Ralph, ang alam ko ay hindi maa-update ang address kung walang CMAP member na mag-change ng address. Sa pagkaalam ko, parang hindi naman nagpapadala ang CMAP ng notices sa persons on their list. Ang responsibility nila is to the members of CMAP (yong mga banks, financial companies, telecom firms, etc.). Ang magpapadala sa yo ng notices ay yong company kung saan ka merong dapat bayaran o meron kang obligasyon.
Hi po. If meron akong condo before na naforeclose and maghohome loan ulit ako after 8 years at nakita nila sa CMAP ang name ko, may chance po bang maapprove pa ako?
Also, is there a way for my name to be removed in the list considering na nahatak naman na ang property and wala na akong financial obligation sa bank na pinagloanan ko? How can I fix this in order for me to get even just a certificate or something to allow me to get approved for a home loan?
Thank you in advance.
Hi Kristine, according to many personal posts on FB and other blogs, hindi natatanggal sa CMAP ang delinquency record, kahit ang delinquent account ay na-fully paid na or nabawi na yong collateral. Nilalagyan lang ng note na fully paid kung fully paid after negotiation, pero andon pa rin yong record. Maghanap ka na lang ng condo or home na available through a Pag-ibig loan, kasi I think hindi nag-che-check ng CMAP ang Pag-ibig, at hindi siya member ng CMAP. About delinquency, ang requirement nila is: No Pag-IBIG housing loan foreclosed, cancelled, bought back, or voluntarily surrendered. Para sure, magtanong ka rin sa iba, o i-check mo itong Pag-ibig home loan requirements and steps.
Possible kaya na makapag open ako ng payroll account sa bpi kahit di ko pa masettle ang utang ko sa credit card ko sa kanila?
Hi Maggy, posible, kung yong teller na matiempuhan mo ay makalimutang icheck muna kung meron ka nang account sa BPI. Pero SOP nila yon, most likely ma-check. Pede ring i-allow ka na mag-open para mabayaran mo ang utang mo sa kanila. Meron sa Terms and Conditions ng BPI credit card na merong silang right or authority na i-debit ang BPI bank accounts without prior notification para mabayaran ang anumang delinquent payables mo sa kanila. Magpa-advice ka rin sa iba.