Personal credit reports (hereinafter referred to as "credit reports") have been designed from the perspective of readers with visualized data in tables presented in attractive layouts, making them easier to read and understand. In addition, comprehensive, timely, and up-to-date information is provided to enhance the content and usefulness of credit reports.
How to apply and versions
For written applications, black and white paper credit reports are provided, with Chinese and English versions available for personal and corporate applications.
(I) Applications by individuals
Through a post office Note:Applications for credit reports in Chinese are only available to adults holding an ID card applying for themselves. (Additional application items)
Applications in person at the JCIC service counter
- (II) Applications by companies
The electronic file in PDF format of a credit report available through an online inquiry is in full color. Individuals can access their credit reports in Chinese or English through online inquiries (additional credit score inquiries are available).
Using a PC along with a Citizen Digital Certificate on the JCIC official website or a financial software certificate issued by financial institutions, such as banks, securities firms or insurance companies, individuals can rapidly access their credit reports.
By using a smart phone, tablet computer or other mobile device, individuals may search for the Taiwan Investor Browser App or scan the QR Code below via the App Store or Google Play to complete the application for a certificate to rapidly access their credit report.
Information presented in credit reports
Three key sets of information are provided in credit reports. The information is bound in the following order: credit report, credit score, and reporting record.
Key details are as follows:
Chinese or English versions of the credit report within the disclosure period
Those who require a "credit score" in Chinese or English must apply through an "additional inquiry."
"Reported case record information" within the disclosure period is promptly provided, including the reporting records of the Criminal Investigation Bureau, National Police Agency, Ministry of the Interior, as well as financial and electronic payment institutions. This information is only provided when applying for a credit report in Chinese.
Written applications use the JCIC's special double-sided A4 watermark paper. The watermarked logo for the credit reports and the List of Financial Institution Creditors is light blue and green, respectively. The electronic file in PDF format of a credit report available through an online inquiry is in full color. The logo and serial number of the JCIC will be displayed on each page of a credit report regardless of whether it is a written application or an online inquiry.
II. Front page of the credit report
Report no.: Displayed on the upper right corner of the front page, it is used to identify the version of the application. The report no. is composed of the version no. and the date of the version update. Chinese versions use the ROC era format for the year, while English versions use the AD year format.
- •PLR1-YYYMMDD: Personal written applications for credit reports (in Chinese or English)
- •PLR3-YYYMMDD: Corporate written applications for credit reports (in Chinese or English)
- •PLR7-YYYMMDD: Full-color electronic file in PDF format of the credit report available through an online inquiry (in Chinese or English)
- •PLR8-YYYMMDD: Full-color electronic file in PDF format of the credit report available on mobile devices through an online inquiry (in Chinese only)
For individuals: Written inquiries require an ID number and Chinese name; online inquiries only require an ID number.
For companies: Unified business number, account name, address, establishment status, establishment registration date, approval date, type of organization, type of industry, registered organization, whether it is publicly or privately operated, registered capital, cash and stocks, total number of shares, etc.
Time of printing: It is marked under the basic information on the front page of the report. The time of printing is the time and date when the JCIC prints the credit report after accepting an application from the public, not the time and date when an application form is submitted or received.
It presents credit information divided into five categories: loan information, credit card information, credit records information, inquiry history, and other. In addition, it lists the total balance of loans (in thousands) and credit cards (in NTD). If there are items in the "See Credit Details" column of the summary table, the relevant credit information table will be listed below, and the disclosure period for such information will be stated at the end of that table.
Through credit reports, financial institutions submit credit information within the disclosure period (approved by the Financial Supervisory Commission). If the debt information exceeds the disclosure period, individuals may make an additional inquiry about "unpaid debt information" (only available in Chinese), which will include three main types of information: loan and guaranteed debt, credit card bills, and debt assignment by creditor banks. Upon recognizing the debt owed to a creditor institution, please reach out to said organization to verify the precise amount of debt. The "unpaid debt information" for which an additional inquiry has been made will be bound together with the credit report and placed at the end of the credit report.
III. Content of the credit report
Loan information: Including loan balance details, joint debt/subordinated debt/other debt information/guaranteed debt obligation from which the principal debtor has been released, and overdue loans or bad debt records.
- •Table B1 Loan Balance Details
It provides information on all outstanding normal or overdue/bad debts within the disclosure period as the time of printing. The amounts are expressed in "thousands of NTD." When reading the information, please add three zeros to the amounts.
It integrates data from the latest monthly report of the first bracket and from the supplementary monthly report to provide real-time daily report data of the second bracket (from the 1st of the following month of the latest monthly report to the time and date (year/month) of printing), and lists the total balance of all outstanding loans.
If there is a delay record in the loan information within the last 12 months, it will be listed in "latest delay record date (year/month) and status."
- •Table B2 Joint Debt/Subordinated Debt/Other Debt Information/Guaranteed Debt Obligation from which the Principal Debtor Has Been Released
The "joint debt/subordinated debt/other debt information" provides information on the latest guaranteed debt of the outstanding principal debt within the disclosure period.
Guaranteed debt obligation from which the principal debtor has been released (only personal credit reports contain this information) means that the principal debtor of the guaranteed debt has been released from his/her obligation in accordance with the Consumer Debt Clearance Statute. However, such guaranteed debt still exists, and it will be displayed in the latest guaranteed debt information within the disclosure period. This information will not be displayed again in the "joint debt/subordinated debt/other debt information."
- •Table B3 Overdue Loans or Bad Debt Records
It provides information of overdue loans for the last three years or bad debt records for the last five years as of the time of printing. If a loan has been paid off, the "closed case date" will be disclosed for each debt record. This means that you have no debt relationship with such financial institution.
Disclosing overdue loans and bad debt records is meant to assist banks in restraining an individual's debts from escalating. When such overdue loan or bad debt record period expires, the information will be automatically canceled.
- (II) Credit card information: It includes the records of the credit card holder and account information.
- •Table K1 Credit Card Holder Records: It provides the primary and supplementary card information within the disclosure period of an individual.
- •Table K2 Credit Card Account Information
It provides the total balance of the credit card account and credit card account information for the last 12 months.
Because the settlement time may be different for each person and each card, the credit card account information is processed and updated by each card issuing institution after reporting according to each credit card account operation cycle. In principle, each card issuing institution shall submit the information to the JCIC within five business days after the settlement date.
The "total balance of the credit card account" refers to the latest information for the most recent period as of the statement settlement date of each card issuing institution (excluding those with settlement information in the "settled debt" column). The sum of the amounts in the fields "payments due for this period (NTD)" and "pending payments that are yet to fall due (NTD)" is the total amount owed as of the settlement date. The above-mentioned "pending payments that are yet to fall due (NTD)" include "payment installments," "billing installments" and "cash advance installments" (repayment of cash advances within the credit card limit).
The debt status is the amount of bad debts, and it usually does not include other amounts such as interest derived from charging off bad debts. If you have doubts regarding the loan amount, please contact the original creditor bank.
Credit records information: It includes information both on large-amount returned checks of more than NT$500,000 and blacklisting status at the Taiwan Clearing House (TWNCH). The records of large-amount returned checks of more than NT$500,000 and blacklisting status established by the JCIC are transferred from the TWNCH. However, the TWNCH only provides records of returned checks due to insufficient deposit balance and blacklisting status for transactions of more than NT$500,000 to the JCIC for filing. The TWNCH does not provide information on returned checks due to other reasons or early termination of blacklisting status. In light of the incomplete credit records present in the JCIC, please contact the TWNCH if you wish to check the complete credit information.
- •Table D1Large-amount Checks Returned Due to Insufficient Deposit Balance
Personal credit reports provide [Information on Personal Large-amount Returned Checks] and [Information on Large-amount Returned Checks of a Company, Firm, or Group Where You Are the Responsible Person]; for corporate credit reports, only the [Information on Corporate Large-amount Returned Checks] is available.
Depending on whether there are records of returned checks repayment for large-amount returned checks, the total number, total amount, and latest returned check record, and date of repayment record are provided, respectively.
- •Table D2 Blacklisting Status at the Taiwan Clearing House
Personal credit reports provide [Information on Personal Blacklisting Status at the TWNCH] and [Information on the Blacklisting Status at the TWNCH of a Firm or Group Where You Are the Responsible Person]; for corporate credit reports, only the [Information on the Corporate Blacklisting Status at the TWNCH] is available.
If all returned checks that led to blacklisting and all returned checks thereafter have been fully annulled, earmarked, or paid upon representation, once the blacklisting status is canceled in advance by the TWNCH, the individual may submit the inquiry form of the TWNCH to the JCIC and apply for the Center to add the relevant blacklisting cancellation information.
Inquiry history: It includes the inquiry history and records of individual credit report inquiries.
- •Table S1 Inquiry History
The inquiring institutions are financial and electronic payment institutions, and records within one year from the date of inquiry (exclusive) are provided.
Reason for inquiry: Identity verification, checking existing deposit accounts, opening a new deposit account, inquiring existing customer transaction data, applications of new business, accessing publicly available information, other/obtaining the approval of the principal, other/as required by law, etc.
- •Table S2 Records of Individual Credit Report Inquiries
Inquiry date refers to the date when the JCIC received an inquiry application for processing.
- (1)For over-the-counter applications and online inquiries, the inquiry date is the same date as the application/inquiry date.
- (2)For applications received and verified at a post office and applications by mail, the inquiry date is based on the processing date when the application is received by the JCIC, not the application date on the application form.
The method of application includes online and written inquiry (applications over-the-counter, received and verified at a post office, by mail, sent through a financial leasing company) records, which are provided within one year from the inquiry date (exclusive).
Handling inquiries about credit reports refers to providing credit information to individuals. Such inquiry history will not be provided to financial institutions as reference. Only the records of applications for the List of Financial Institution Creditors and individual inquiries about credit reports through a financial leasing company will be disclosed to financial institutions as reference for credit assessment.
Other: It includes additional information, debt assignment, and repayment information.
- • Table Z1 Additional Information: It provides the registration date and notation content, which includes:
Notations of repayment by relatives/third parties submitted by financial institutions, notations of Bankers Association consumer debt workout, and Consumer Debt Clearance Statute-related (debt workout, debt restructuring and liquidation) credit notations.
Notations of declaration of guardianship or assistance provided by the Judicial Yuan.
- •"Table Z2 Principal Debt Assignment and Repayment Information," "Table Z3 Joint Debt/Subordinated Debt/Other Debt Assignment Information," and "Table Z4 Credit Card Debt Assignment and Repayment Information" provide debt assignment information within five years from the date (year/month) when the financial institution submits the debt assignment.
The JCIC calculates your "credit score" based on your credit report as well as the loan, credit card, credit record, and inquiry history information of financial institutions. Credit scores are calculated based on five factors, namely payment behavior, debt degree, debt type, credit history length, and number of new loan applications, and are used to predict the likelihood of you meeting future repayment obligations.
The percentile position chart allows individuals to understand the relative position of their own credit score compared to the overall score sample (including all those whose credit scores are assessed and those with bad records). Those who require credit scores must make an "additional inquiry" application.
Reporting record information:
This is a value-added service that is actively provided. When an individual applies in writing for a credit report in Chinese, if he/she is notified by any unit, including the Criminal Investigation Bureau, National Police Agency, Ministry of the Interior; financial institutions; or electronic payment institutions of a watch-listed account or reporting case of fraud within the disclosure period, such item will be listed in "Table Z5 Reported Case Records." If you have any doubts regarding the reporting records, please contact the reporting unit for more information.