Credit bureau check
Checking for a blacklist is used in loan approval decisions. When you consider buying a car, a house, applying for a personal loan, or getting a credit card, financial institutions or banks will request your credit bureau information. This information compiles various credit transactions you've had and processes them into an overall credit database for you. This can indicate whether you have a poor financial history, are blacklisted, or are on a blacklist.
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How to Check for a Blacklist: Check your credit bureau report yourself via a kiosk.
The National Credit Bureau Co., Ltd. (Credit Bureau) offers self-service credit bureau kiosks. You can receive a summary electronic credit report (E-Credit report) via email immediately, or pick up a printed report at the counter.
12 Steps to Check for a Blacklist Self-Service Credit Bureau Check (Kiosk)
1. Review the terms and conditions before using the service.
2. Insert your national ID card.
3. Scan your face for verification.
4. Select the type of report you wish to check.
5. Enter your mobile phone number to receive an OTP code.
6. Enter the 6-digit OTP code.
7. Choose how to receive the report.
8. If you choose to receive it via email, enter your email address.
9. Wait to receive the report via email (e-Credit Report format).
10. A password to activate the report will be sent via SMS to your mobile phone number.
11. Wait to receive the report via email and remove your national ID card.
12. If you choose to print the report, wait to receive the report and remove your national ID card.
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Check for Blacklist Online Credit Bureau Reports
1. Email Report Delivery within 3 business days: Electronic report (NCB e-Credit Report) - Service fee: 150 THB
• Via Bangkok Bank Mobile Banking
• Via Kiatnakin Phatra Bank "KKP Mobile" mobile application
• Via TB Touch mobile application (TMB Thanachart Bank)
• Via Krungthai Bank "Krungthai Next" mobile application
• Via Government Savings Bank "MyMo" mobile application
• Via Flash Express (Flash Money) mobile application
• Via SME D Bank "SME D Bank" mobile application
• Via Paotang Pay (Paotang application)
2. Registered Mail Report Delivery within 7 business days (Service fee: 150 THB)
Channel 1: Bank Counter (All Branches) Krungsri, Krungthai, GHB, Land and Houses, and BAAC
• Inform the staff at the counter. Method 1: Present your national ID card.
Method 2: Use a Krungthai or Siam Commercial Bank ATM card.
• Use the ATM of the bank whose card you have.
• Perform the transaction via the screen (Credit Bureau Check menu).
Method 3: Use a mobile application. For those registered with Krungthai, TTB, or Kiatnakin Phatra Mobile Banking.
• Perform the transaction through the bank on your mobile phone.
Method 4: Use online banking services from Krungsri or Krungthai.
• Have a bank account / Perform the transaction via the website.
Method 5: Post offices. At all post offices and postal service counters nationwide.
For more information, please contact THP Contact Center at 1545 or www.thailandpost.co.th
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Loan application rejected? Check your blacklist status. Free credit bureau check.
If you are rejected or denied a loan by a financial institution citing a "credit bureau" issue,
according to the Credit Information Business Act B.E. 2545, which protects and provides fairness to data owners, you have the right to know the reason for the rejection of your loan application or service from a financial institution. You can check your credit bureau report for free. At the service points mentioned above,
simply bring your original ID card and the loan rejection letter citing a credit bureau issue (submit the request within 30 days of the rejection letter date).
However, the credit bureau keeps records of loan payments for up to 24 months. Therefore, all your payment information from the past 24 months will be displayed. If you have paid on time and have not had any late or defaulted payments, you shouldn't have to worry about being blacklisted.
Conversely, anyone who is late or misses a payment, even just one installment, will have their credit history damaged, resulting in a blacklist. Once you have a history of defaulting on payments, it will be difficult to obtain loans or do anything else, as it can take approximately 3 years to be cleared from a blacklist. This will cause you to miss out on good opportunities, such as buying a house or other things. Therefore, financial discipline is crucial before incurring debt.
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Thank you for the helpful information from DD Property.
