Choose a credit report and credit score of any financial intermediaries / credit reporting

agencies or any lending institutions (preferably in the Philippines).

Determine the parts of credit report and credits score (e.g client’s data, credit history and
etc.) Analyze and evaluate the format of their credit report and credit score.
- Based on the credit report of TransUnion, the parts of the credit report are as follows:
*Personal Information
*ID Information
*Alias Name Information
*Employment
*Generic Risk Score
*Summary
*Individual Credit Exposure
*Open / Closed Accounts
*Payment History
*Previous Inquiry Information
- I can say that the format of their credit report and credit score is accurate and easily
understandable that any client has an ease in accessing their credit report.

Do you think the information stated in the credit report and credit score are sufficient
enough to know the credit standing of the borrower?
1. If yes, why? Elaborate your answer.
- Yes. Because through the credit report, you can assess your payment history, total
amount that you owe (loans), length of credit history, new credit, and credit mix. And
with the credit score, it assesses your probability of paying a loan. It contains all of
your financial information, going all the way back to when you first opened a bank
account, applied for a credit card, and requested loans.

2. Based from the credit score and credit report presented, analyze the borrower’s
credit rating.
- Mr. Arnel Dee’s credit rating is very low risk. With a credit score of 832, and
assessing his payment history for the open accounts, there are no late payments for
the past 2 years, therefore he is a good creditor.
Reference:
https://www.transunion.ph/resources/transunion-ph/doc/credit-report-sample-and-guide.pdf