About Us

We are committed to helping customers make wise financial decisions, reduce credit risks and improve the security of financial transactions through accurate credit data and in-depth analysis.

Our Mission

Our mission is to support financial stability and transparency in the Philippines and global markets through high-quality credit assessment services. We are committed to providing reliable data support to help our clients succeed and continue to grow in the financial markets.

Service Scope

Personal credit assessment

Credit score: Provides a detailed credit score based on an individual's credit history, debt status and repayment record.

Credit report: Provides a comprehensive personal credit report, including credit history, existing debt and repayment record.

Corporate credit assessment

Corporate credit score: Provides accurate credit scores through comprehensive analysis of corporate financial status, operating history and market performance.

Commercial credit report: Provides corporate credit reports, including company financial status, credit history and business stability analysis.

Credit Risk Management

Risk assessment: Help customers identify and assess potential credit risks and provide risk management strategy recommendations.

Pre-loan review: Pvrovide pre-loan review services to financial institutions and lenders to ensure the credit reliability of borrowers.

Customized consulting services

We provide tailor-made credit assessment and risk management consulting services based on the specific needs of our clients.

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Our Advantages

Professional team: composed of experienced credit analysts and financial experts with deep industry knowledge and analytical capabilities. Advanced Technology: Using the latest data analysis technology and tools to ensure the accuracy and timeliness of credit assessment. Customer First: Guided by customer needs, providing personalized services, and committed to helping customers achieve their financial goals.

Partners

IMPERIAL P J R has established close cooperative relationships with many financial institutions, enterprises and government departments. Our partners include banks, lending institutions, insurance companies and various enterprises, and we provide these partners with reliable credit assessment and risk management services.

Our Commitment

We are committed to providing the highest standards of service and solutions. We are committed to complying with strict industry standards and ethical norms to ensure the privacy and data security of every customer. We continuously improve our technology and services to meet the changing market needs.

Frequently asked questions

  • 1. What is a credit report?
    A credit report is a summary of your financial transactions submitted to the Credit Information Bureau, Inc. (CIBI). The CIBI has the authority to gather and collate these reports under Republic Act 9510.
  • 2. What information does a credit report contain?
    A credit report includes your basic details like name, TIN, SSS or GSIS numbers, address, employer, and business. It also lists your loan agreements, utility subscriptions, and other obligations collected by the Credit Information Bureau, Inc. (CIBI).
  • 3. Can I check my credit report regularly?
    Yes, you can regularly check your credit report to ensure the information is accurate. Regularly monitoring your credit report can also help you detect errors, identify potential fraud, and ensure that the information accurately reflects your credit activities.
  • 4. What impact does a credit report have on individuals?
    Credit reports directly impact an individual's borrowing conditions, including loan amounts, interest rates, and more. Individuals with good credit reports typically find it easier to access loans and credit cards at lower interest rates.
  • 5. How can I improve my credit score in a credit report?
    Methods to improve credit report scores include timely repayments, avoiding defaults, and using credit cards wisely. Actively managing personal financial situations can help enhance credit scores.
  • 6. What risks does a credit report leak pose to individuals?
    The leakage of credit reports may lead to the misuse of personal information, potentially resulting in identity theft and other issues, posing risks to individual financial security.