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Checking your credit bureau by yourself is very important in the financial system because it is a collection of various credits that you have made financial transactions with and compiles them into an overall credit database for you to prevent being on the credit bureau and being blacklisted.
When you think about applying for a car loan, buying a house, applying for a personal loan, or applying for a credit card, financial institutions will look at this information and check whether you have a bad financial history to consider granting a loan. Let’s see how to check your credit bureau yourself here.
What is a credit bureau? Is it true that you are on a credit bureau or a blacklist?
Credit Bureau is “National Credit Information Company Limited” which is a company responsible for collecting historical data of all your financial transactions, whether it is credit card loans, cash advance loans, home loans, car installments, etc., including all our loans, installments, and payment history.
Therefore, your financial history of all transactions will be recorded and stored, whether it is good or bad.
The most common misunderstanding is “credit bureau”, “blacklist” or “blacklist”. But in reality, “Credit Bureau or National Credit Bureau Co., Ltd.” is just an intermediary that stores information about financial transactions for various institutions to use in considering granting or approving loans to individuals who apply for loans.
Financial institutions will use this information to check on spending behavior and debt repayment discipline each month to ensure that when the institution or bank approves a loan to that person, the borrower can repay the debt according to the terms of the loan contract.
Therefore, being “on the credit bureau” or “on the blacklist” is just a definition of “a person with a history of bad debt repayment or failure to repay the debt according to the agreement”, which is not a record in any system.
Credit Bureau Check Service at the Company Office (Credit Bureau Check Center)
According to the Credit Information Business Act of 2002, Section 25, for the benefit of protecting and providing fairness to data owners, data owners have the right to check their data. The National Credit Bureau Company Limited (Credit Bureau) is pleased to let you check whether your data is on the credit bureau or not, or on a blacklist. The company’s offices (Credit Bureau Centers) are as follows:
- Credit Bureau Center, The Nine Towers Grand Rama 9, 2nd floor (Plaza Zone)
– Open Monday-Friday from 9:00 a.m. to 4:30 p.m. (Closed on public holidays)
– For your natural person and power of attorney/credit score (natural person and juristic person/juristic person (power of attorney)/foreigner. However, for juristic persons, you can also use the service via registered mail. - Credit Bureau Center, BTS Sala Daeng Station (inside the station)
– Open Monday-Friday from 9:00 a.m. to 6:00 p.m. (Closed on public holidays)
– Only for your natural person and power of attorney/credit score (natural person)/foreigner - Credit Bureau Center, J Avenue (Navanakorn), 1st floor
– Open Monday-Sunday from 9:00 a.m. to 6:00 p.m.
– Only for your natural person and power of attorney/credit score (natural person)/foreigner
Check your credit bureau yourself (kiosk) and receive reports via email immediately.
| Kiosk, self-check credit bureau | Coordinates |
| The Nine Towers Grand Rama 9 Building | 2nd floor, Plaza Zone (near MRT Rama 9 station and behind Central Rama 9) |
| Pearl Bangkok Building | 3rd floor (BTS Ari Station, Exit 1) |
| J-Venue Mall (Navanakorn) | 1st Floor |
| Bangkok Central Station (Bang Sue Central Station) | Behind the information counter, entrance door 1, the station clock or clock face number 9 is installed. |
| Kiatnakin Bank (Head Office) KKP Tower Building | 1st Floor, near the building entrance |
| Sathorn Nakorn Tower Building | 1st floor, ATM zone (BTS Chong Nonsi, Exit 2) |
| Bank of Thailand Learning Center (Building A) | 2nd floor, reception hall, opposite the inquiry point |
Credit Bureau Check Process
- The data owner comes to contact in person and presents the following supporting documents:
In the case of an individual:
- Original national ID card or passport or alien ID card
In the case of a juristic person: - A copy of the juristic person’s certification document certified no more than 3 months ago and signed by an authorized director
- A copy of the national ID card or passport of the authorized director and signed to certify its accuracy, with the original to be presented
- A seal of the juristic person (if any) to be used in submitting a credit information verification request
- The data owner authorizes another person to act on their behalf and presents the following supporting documents:
In the case of an individual:
- A power of attorney for an individual, filled in and signed
- A copy of the national ID card of the grantor and signed to certify its accuracy, with the original to be presented
- A copy of the national ID card of the grantor and signed to certify its accuracy, with the original to be presented
In the case of a juristic person: - A power of attorney for a juristic person, filled in and signed
- A copy of the national ID card of the grantor and signed to certify its accuracy, with the original to be presented
Certified no more than 3 months ago and signed and certified by an authorized director with a corporate seal (if any)
– A copy of the ID card or passport of the authorized director and the original to be presented
– A copy of the ID card or passport of the authorized person and the original to be presented
Note: Submit the documents in Section 1 and pay the credit information verification fee to the company’s officer
The data owner can request the report within the application submission date or submit a request to have the report sent by registered mail (in the case of sending by registered mail, 20 baht per copy)
How to check your credit bureau yourself via a kiosk
The National Credit Bureau Company Limited (Credit Bureau) offers a self-service credit bureau kiosk (Kiosk). At the self-service credit bureau kiosk (Kiosk), you can wait to receive credit bureau reports, credit bureau and credit scoring reports, and credit bureau summary reports in electronic format (E-Credit report) via email immediately, or you can receive the report in paper format at the counter.
12 steps to check your credit bureau yourself (kiosk)
- Study the terms and conditions before using the service
Check your credit bureau yourself - Insert your ID card
Check your credit bureau yourself - Scan your face to confirm your identity
Check your credit bureau yourself - Select the type of report you want to check
Check your credit bureau yourself - Enter your mobile phone number to receive an OTP code
Check your credit bureau yourself - Enter a 6-digit OTP code
Check your credit bureau yourself - Select the report receipt
Check your credit bureau yourself - If you choose to receive it via email, enter your email address
Check your credit bureau yourself - Wait to receive the report via your email (delivered in e-Credit Report format)
Check your credit bureau yourself - Send the report access password via SMS to your mobile phone number
Check your credit bureau yourself - Wait to receive the report via email and remove your ID card
Check your credit bureau yourself - If you choose to print the report, wait to receive the report, and remove your ID card
Check credit bureau online
- Email report within 3 business days Send electronic report (NCB e-Credit Report) 150 baht service fee
- Via mobile banking, Bangkok Bank
- Via mobile application “KKP Mobile”, Kiatnakin Bank
- Via mobile application “ttb touch”, TMB Thanachart Bank
- Via mobile application “Krungthai Next”, Krungthai Bank
- Via mobile application “MyMo”, Government Savings Bank
- Via mobile application “Flash Express”, Flash Money
- Via mobile application “SME D Bank”, SME D Bank
- Via Paotang Pay, Paotang application
2. Send the report back via registered mail within 7 business days (service fee 150 baht)
Channel 1 Bank counter (all branches) Krungsri, Krungthai, GH Bank, Land and Houses, and BAAC.
- Inform the officer at the counter and submit your ID card
- Channel 2 Use Krungthai ATM card, Siam Commercial Bank
- Have a card from which bank? Use that bank’s ATM
- Make a transaction via the screen (Credit Bureau check menu)
- Channel 3 Use the mobile application for those who have registered for Krungthai Mobile Bank, TTB, Kiatnakin Phatra
- Make a transaction via the bank on a mobile phone
- Channel 4 Use Krungsri, Krungthai Online Banking
- Have a bank account / Make a transaction via the website
Channel 5 Post offices At post offices and postal service counters nationwide
For more information, please contact the THP Contact Center at 1545 or www.thailandpost.co.th
Loan application is not approved, a free credit bureau check
If you are rejected or not granted a loan by a financial institution, claiming that it is because of the “credit bureau”, according to the Credit Information Business Act B.E. 2545, which is a law to protect and provide fairness to data owners, you have the right to know the reason for the rejection of a loan or service request from a financial institution. You can check your credit bureau for free at the service points mentioned above.
Just bring evidence, including your real ID card and the loan rejection letter claiming that it is because of the credit bureau (submit the request within 30 days from the date of the rejection letter).
However, the credit bureau will collect your loan payment history for the past 24 months. Therefore, all of your payment information will be displayed here within the past 24 months. If you pay on time, do not pay late or default, there is nothing to worry about or be worried about being blacklisted.
As for those who pay late or miss a payment, even just one installment, you will have a bad history or be blacklisted. When you have a history of default, thinking about borrowing or doing anything will be difficult. Because it takes about 3 years to get out of the blacklist, which will cause you to miss out on good opportunities such as buying a house or other things. Therefore, you should have financial discipline before going into debt.
