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CIBI Information, Inc. has three major business lines that were constantly enhanced and modified to specifically cater the needs of our clients. CIBI envisions to become a company of choice and world class provider of business information and solutions through its people, process and technology in providing value-added services to our clients by being the most reliable and efficient source of timely and accurate, cost effective and comprehensive business information and solutions, delivered through advanced information technology, well-defined state of the art process and a competent workforce working collectively towards a high level of client satisfaction.

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A product that generates business reports and analytics, consumer reports and trends, global trade reports and property information.

Business Intelligence data involves legal and historical information coming from official source systems that CIBI transcribes and analyzes to support clients’ strategic and tactical decision-making processes. This can aid in optimizing internal business processes; provide increase on operational efficiency. Business Intelligence products can also help companies to identify market trends and other relevant information needed before the clients conduct any transactional business matters with their partners.


Partners Accreditation Solutions and System

A process of validation that contains detailed industry-specific report solutions for the accreditation of vendors, suppliers, contractors or sub-contractors.

Learn MoreVisit the Portal

Business Reports copy

Business Reports

Provides business reports and analytics, consumer reports and trends and global trade reports.

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Partner Accreditation Solutions and System

A process of validation that contains detailed industry-specific report solutions for the accreditation of vendors, suppliers, contractors or sub-contractors

PASS can help develop and sustain relationship-building and risk management to current and potential business partners, and consumers. PASS supplies comprehensive information as it enhanced credibility and reputation by demonstrating the company’s perseverance to achieve quality and excellence; and by acknowledging commitment to effective business practices and raising the bars of professional standards.

PASS outlines a framework for continual improvement and development with emphasis on information that are relevant for the organization. This solution system validates information based on the following criteria: legal identity, financial stability, government compliance and integrity. PASS directly shapes strategic planning and partnerships that are essential for growth and sustainability; branding recognition and greater visibility to potential markets; and employees’ confidence in providing services.

The PASS Portal highlights the particular information needs of the following industries:

  • Construction
  • Manufacturing
  • Real Estates
  • Service
  • Healthcare
  • Retail and Trading
  • Logistics and Supply Chain
  • Energy, Petroleum and Utility
  • Business Processing Outsourcing
  • Financial Institutions

Provides business reports and analytics, consumer reports and trends and global trade reports.

Business reports ranging from full to basic company profiles and other customized reports. The information contained in these reports are obtained through our nationwide network of field agents and validated against the latest corporate filings submitted to the Securities and Exchange Commission, the Department of Trade and Industry and other credible sources. It also includes disclosures by public companies to the local stock exchange.

Business Reports contains the following information:

  • Legal Identity
  • Capital and Operational Structure
  • Basic Data of Stockholders, Directors and other key personnel
  • Trade Check that details the payment behavior and supplier relation
  • Parent Company, Subsidiaries and other business affiliates
  • Size and Location
  • Database Check for Negative or Adverse Records and Bank Exposures File
  • Financial Highlights, Statements and Ratios
  • Collected and validated data through groundwork
  • Consumer analytics
  • other relative information

The following are the type of reports that can be gathered under Business Intelligence:

a. Full Business Report - this presents the extensive profile of a company featuring all the vital information required.

b. Basic Company Profile - contains a snapshot of a company, its managements and shareholders and other relevant details.

c. Customized Reports - these are special reports that provide specific highlights.

  • Financial Check company’s performance in terms of key variables. This includes profitability, turn over, cash flow and efficiency among others. It also shows performance highlights and basic strategies to continue positive trends or offset downturns.
  • Transcribed Financial Statement - presents a company’s financial accounts, including key items in its balance sheets, income and cash flow statements in a clear and flexible format. The sources for the transcribed data are audited financial filings with the Securities and Exchange Commission.
  • Trade Check - this report presents a profile of a company via its transaction history, payment behavior, products and services availed of, credit lines or terms and other relevant information.
  • Registration Check - this includes the verification of the company’s transcribe registration details. This can be for DTI, LTO, Business Permits and Licenses to Operate or BPLO, and other documents.
  • Performance Check - highlights a profile of a company, its transaction history, products and services sold or provided, performance evaluation, credit lines or terms and other relevant information.
  • Copy Report - this report utilizes the archived information of the subject matter. This report was extracted from i4B or Information for Business portal.
  • Document Facilitation - this caters to the supplement of business documents from the client. This can be either of the following: Articles of Incorporation, By-Laws, General Information Sheet or GIS, and the like.
  • Credit Rating this provides the information about the credit risk of a particular company.
  • Business Affiliation Report - presents the business partners or the affiliations of the subject matter.
  • Operational Details - illustrates the management processes of the company that can be significant to the decision process of the client.
  • Branches and Facilities this is an elaborate background checking report that highlights the related facilities and branches of the subject matter.
  • Management-Employees Check - this presents the organizational chart of the company.
  • Validation - this includes business name validation, business address validation and even SPOC Signatory or contact validation.
  • Business Tenure this reports the span of time that the company is in operation.
  • Telephone Verification - a type of verification report that requires checking over the telephone.
  • Plant Verification a report extracted from groundwork checking of a particular plant. This manner of checking is different from the processes of Branches and Facilities as it evaluates the health and safety standards of the operation and other related information.


This product that presents an individual’s personal, credit, legal, and employment records giving the assurance on individual’s reliability and competency.

People Information applies a process of validating and verifying background information about a potential human resource. Pre-employment Screening is one of the services of CIBI in deriving an individual’s hirable ability through data verification and groundwork. CIBI also provides predictive, diagnostic, descriptive and prescriptive analytics specifically for each industry needs.

Assuring the quality of the company’s manpower resource is imperative for operational optimization and control; and ensuring trust, credibility and proficiency of the human resources. A product that presents an individual’s personal, credit, legal, and employment records giving the assurance on individual’s reliability and competency. People Information applies a process of validating and verifying background information about a potential human resource. Pre-employment Screening is one of the services of CIBI in deriving an individual’s hirable ability through data verification and groundwork. CIBI also provides predictive, diagnostic, descriptive and prescriptive analytics specifically for each industry needs. Assuring the quality of the company’s manpower resource is imperative for operational optimization and control; and ensuring trust, credibility and proficiency of the human resources.

Clear for Hire

Clear for Hire

A web-base tool for businesses that automates and monitors both front-end and back-end development of CIBI’s employment procedures.

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iCREED 18 September copy


The backbone of information that covers the necessary elements in evaluating individuals to ensure operational success.

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A web-base tool for businesses that automates and monitors both front-end and back-end development of CIBI’s employment procedures.

This tool enables companies to enjoy the benefits of a fully-managed background checking system without the high upfront capital expenditure. Clients will have the opportunity to order their pre/post employment background request via a secured ordering system.


Key Features

a. Online Ordering - Registered Clear4Hire members, through this page, will submit the name and email address of an applicant for investigation.

b. Candidate Information Collection – an online form that asks for identity, residence, education, employment, reference records, and required documents

c. Client Prescreening – screening and approving a candidate for CIBI’s actual investigation process.

d. Order Tracking and Report Receiving – client can track online the status of order can view the completed reports.


Key Benefits

a. Improves accuracy and efficiency

- Automatically generate activities from candidate information collection to release of reports

- Actual order logs

- Tracking of endorsements

- Closing and acceptance of Reports

- Reference of Billing Validation between vendor and clients

b. Increases visibility

- Allows client real-time tracking of progress and status of checking done for candidates

- Client-Dashboard feature that gives statistics on endorsements activities


iCREEd or Identity, Character, Residence, Employment and Education - is the backbone of information that covers the necessary elements in evaluating individuals to ensure operational success.

Character Reference checks will have the following options:

  1. Maximum of 3 Character References
  2. Maximum of 5 Character References
  3. Maximum of 10 Character References

iCREEd is segmented into two divisions:

1.    Ala Carte Reports
i. Identity Check – this verifies and validates the identity of the subject matter using the personally identified information. One of the major channels in validating the identity of the subject matter is through the CIBI Credit Bureau system.

ii. Character Reference Check – three references and excluding any next of kin. This will help evaluate how the person interrelate or cooperate. Employees’ characters dictate the culture and the atmosphere of the work environment.

iii. Residence Check – Philippines is one of the countries that attains challenge address format due to the number of neighborhoods or barangays that are located on far flung areas without specific post codes or defined street names. Residence check includes checking the barangay and/or Homeowner Association offices.  CIBI can generate information for up to 15 years of residential account.

iv. Employment Check – CIBI collects historical data and transforms it into reliable employment records. CIBI considers significant details relative in distinguishing the work exposure and experience of an individual. This checking can go up to 15 years trace back or last three employers depending on the requirement.  Checking will be conducted through emails or phone calls primarily with the employer’s Human Resources or Immediate Superior, whichever is available.  Should there be employers who would release the result beyond our committed turnaround time; the reports submitted to client will be supplemented upon release of the employment result.  CIBI reserves the right to charge additional fees, upon approval from the client, for employment requiring actual visits.

v. Education Check – CIBI developed strong affiliations with colleges, universities and other educational institutions all over the country for the purpose of collecting and authenticating scholastic records. This report means verification of claimed highest educational attainment. Main source is the Registrar’s Office. Other alternative sources are the College or Deans, Placement, and Alumni offices. There is a process of one school or college or university per checking. Any additional school or college or university provided shall be considered a new checking and shall be charged according to the agreed upon rate.  Validation of additional Education related document shall be subject to an additional charge, upon approval of client according to the agreed upon rate.


2.    Packaged Reports
i. Pre-employment Screening or PES – An advisable and practical method on ensuring the growth of operational processes through human capital investment.

There is a huge percent of job-seekers who embellish incorrect details about their personal background. Replacing a wrongly hired employee can be expensive and disruptive on the company operation.

The following are the common dishonesty of job applicants:
a. Padding dates to mask employment gaps
b. Falsifying academic degrees and other credentials
c. Exaggerating job titles or salary
d. Inventing achievements that never took place
e. Claiming sole responsibility for team efforts

The increase on the cases of resume fraud is subsequent to the weakness in job market. But even when the economy is healthy, there are stories in the news about executives that unlikely stretched the truth on their resumes. Hiring managers, as well as human resource professionals, are constantly reviewing documents that may contain the credentials of applicants, however, the credibility of the information are best to be supported by sufficient research and checking.

ii. Full Individual Report or FIR – this type of report certifies the personally identifiable and legal information of an individual for the purposes not related to hiring or job employment. The report can include information used for the purposes of distinguishing or tracing the identity of a person, such as name, government IDs or legal verifiers, date and place of birth, mother‘s maiden name, or biometric records. The report can also contain other information that is linked or linkable to an individual, such as medical, educational, financial and employment information.

CIBI Information, Inc. can confirm professional licenses, related adverse records and criminal cases of the individual. Credit information is one of the main highlights of the report by reflecting the financial highlights and statement of a person. Business and personal affiliates, lifestyle and health habits can also be recognize depending on the principle of the background checking. Sensitive information such as historical residence records, immediate family background can also be reflected on the statement.

iii. Individual Financial Capacity Assistance Program or IFCAP – This generates report that supports the socialized pricing access program, specifically for Oncology, implemented by healthcare institutions and the Philippine government. This aims to associate in the immediate and appropriate conveyance of medical solution by providing justified decision guidelines to the health providers. This assistance is through the consideration of the affordability level of a patient as the result of financial assessment and background check.

Qualified patients will receive a discounted price on the prescribed medicine granted based on the payment capability of the patient. Through the assistance of verifying the affordability of each patient, physicians can diagnose and treat more diseases and help those who are financially constrained. 

iv. iCREEd Combinations – This is a type of packaged reports that segments or highlights the combinations of iCREEd to cater to the specific requirements or preference of the client. For instance:
- iC Identity, Character                                    
- iR (Identity, Residence)
- iE (Identity, Employment)                            
- iEd (Identity, Education)                            
- iCR (Identity, Character, Residence)                            
- iCE (Identity, Character, Education)                            
- iCEd (Identity, Character, Education)                            
- iCEEd (Identity, Character, Employment, Education)                    
- iCRE (Identity, Character, Residence, Employment)                    
- iCREd (Identity, Character, Residence, Education)                    
- iRE (Identity, Residence, Employment)                        
- iREd (Identity, Residence, Education)                            
- iEEd (Identity, Employment, Education)                        
- iREEd (Identity, Residence, Employment and Education)                                    
The consistency of including the identity checking on all the combinations is to ensure correct recognition of the subject matter.

v. Directorship Check – this presents the relevant background information of the individuals who attain directorship position within the company.

vi. Business Affiliation Report – presents a comprehensive profile of an individual’s business interests.  It reveals corporate holdings as well as Directorships and held Executive positions as reported to local registries. This also covers the memberships and other connection that the company or the significant individual in the company covers.

vii. Identity Verification – this follows the process of verifying the identity of the subject matter based on the following channels:
         - NBI Verification
         - Police Check
         - TIN Verification
         - SSS Verification
         - License Verification
         - International Database Check, and the like 


A product of obtaining an optimal and realistic decision based on existing data. Analytics often involves studying past historical data to research potential trends, to analyze the effects of certain decisions or events, or to evaluate the performance of a given tool or scenario. The goal of analytics is to improve the business by gaining knowledge which can be used to make improvements or changes.

CIBI acquired a Credit Bureau System in 2015 through a partnership with GDS Direct. GDS Direct, part of the GDS Link USA Group, is a specialized provider of Credit Reference Bureau solutions in the world to produce credit scoring, application processing, and credit decision processes to name a few. GDS Direct is based in Les Cyclades, 37 Avenue des Papalins, Monaco.

Some of the system's Core Solution Characteristics are as follows:
-    Consumer centric Credit Bureau Software
-    Fully customisable according to market/client requirements
-    Positive and negative data sharing
-    Consumer and business credit reporting

Credit Bureau

Credit Bureau

A facility that engages in collating, developing and transcribing credit information to provide an analytics on the credit standing, score and ratings.

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The science of examining raw data with the purpose of drawing conclusions about that information. Data Analytics is used in many industries to allow companies and

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A portal facility that engages in collating, developing and transcribing credit information to provide an analytics on the credit standing, score and ratings of individuals, institutions and business entities.

CIBI is continuously nurturing its expertise in transforming credit information to a substantial analytics that will help guide individuals and businesses into efficient financial decision processes. The Credit Bureau System is a tool by which it uses an algorithm where raw data are transformed into comprehensible statistics for a real business value.

CIBI aims to improve the lives of the Filipinos and endeavors to transform unbanked into bankable individuals; to provide channels to credit facilities for cooperatives, and to contribute in the growth of the economy.

The following are the benefits of the credit bureau system in the country.

a. Credit Bureau System will allow lending institutions to accurately evaluate risks and improve quality of credit portfolio.

b. The system will increases the volume of credit transactions and will expand the access to credit information and technology.

c. This system will decrease information gaps between borrowers and lenders; individuals, companies and other financing institutions.

d. Eases adverse selection problem and lowers the cost of credit for a good borrower

e. Supports the introduction of credit scoring, add more value to credit products and automated underwriting, lowers lender operational costs and improves profitability.


First Phase Products under Credit Bureau

i. Address Validation

ii. Identity Check

iii. Employment Verification

iv. Credit Report

v. Credit Scoring

vi. Skip Tracing


Business Analytics

It is the science of examining raw data with the purpose of drawing conclusions about that information. Data analytics is used in many industries to allow companies and organization to make better business decisions and in the sciences to verify or disprove existing models or theories. Data analytics is distinguished from data mining by the scope, purpose and focus of the analysis.

Data miners sort through huge data sets using sophisticated software to identify undiscovered patterns and establish hidden relationships. Data analytics focuses on inference, the process of deriving a conclusion based solely on what is already known by the researcher.

Products under Analytics

i. Exploratory Data Analysis – discovering the meaningful patterns from big data provided by the client and transforming it into smaller and comprehensible bits of information.

ii. Confirmatory Data Analysis – is an analysis process where the existing hypothesis of the client can be validated through the given data.

iii. Qualitative Data Analysis – is used in the social sciences to draw conclusions from non-numerical data like words, photographs or video.


CIBI also provides details of a negative record; verification of property and title; and presentation of subject-related media releases as part of value-added services.

Information for Business

Information for Business

It is a secured online access to accurate and reliable information of companies and of individuals.

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Property Information copy

Property Information

This service provides information of individual parcels of property including details consistency assessment or tax status. 

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Media Search copy

Media Search

presents the collected and recorded business news and other media releases that pertains to or related to the subject matter. 

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Information for Business or i4B

A secured online access to accurate and reliable information of companies and of individuals. It is indispensable to the decision maker who wants instant access to an array of business and individual reports, tools which help make or break deals in the areas of credit, finance, insurance and marketing.

i4B provides comprehensive and other various profiles of companies, its management team, financial performance and other related corporate information. It also provides company affiliations of individuals, showing up to date directorship and shareholders information.

Key Benefits:

Corporate Search
Guaranteed Confidentiality
Free Customer Support
24/7 Access to Business Information

Other Benefits:

The following are the information that can be derived from i4B:
I. Negative Records – reports containing the following gathered information:
i. Court Case Records – civil and criminal court case listings gathered from key cities nationwide.
ii. Watch List – information contributed by selected sources on personal loans, distributors, cooperatives, and telecommunications. 
-    Accounts Referred for Collection
-    Delinquent Accounts
II. Copy Report – this report utilizes the archived information of the subject matter.
III. Bank Loan Exposure File - credit exposure (1 Million and above) with banks and other Financial institutions.


The following are the information that can be derived from i4B:
I. Negative Records – reports containing the following gathered information:
i. Court Case Records – civil and criminal court case listings gathered from key cities nationwide.
ii. Watch List – information contributed by selected sources on personal loans, distributors, cooperatives, and telecommunications. 
-    Accounts Referred for Collection
-    Delinquent Accounts
II. Copy Report – this report utilizes the archived information of the subject matter.
III. Bank Loan Exposure File - credit exposure (1 Million and above) with banks and other Financial institutions.

This service provides information of individual parcels of property including details consistency assessment or tax status. Information is updated on a regular basis and reviewed periodically to ensure accuracy.

Property investment is critical in the Philippines due to the limitations in land planning in its earlier days that still greatly affects the land management and distribution up to today. The availability of viable and accessible land title documents are still scarce and on the process of production, hence, regular update and checking is highly advisable.

i. Tax Mapping - or tax compliance was constituted in the Philippines in 2003 to expand tax base, to enhance tax compliance, and to boost tax collection verification drive. Tax mapping is derived in an official document showing the locations and parcel identification numbers for all property located within an ad valorem tax jurisdiction.

Given the specific location to be mapped, CIBI Information, Inc. will help evaluate its ownership and other relevant records.

ii. Property Appraisal - Property values change continuously with changing economic conditions. In addition to market changes, numerous physical adjustments affect the value of land and buildings. Such modification includes draining and clearing the land, improving the adjacent public streets and installing utilities, and adding to or remodeling buildings. All factors are considered in estimating the value of property. 

iii. Property Check - Acquiring a property is a sensitive investment and prospective buyers are required to conduct a thorough property background check before signing on any contract. 

Investing on a property check, can help you diminish surprises after purchasing. This can help regulate any issues that might arise while insuring, selling or modifying the property. Using substantial legal identifiers, CIBI can search or validate an individual’s investment records.


This service presents the collected and recorded business news and other media releases that pertains to or related to the subject matter. The information is gathered from the major broadsheets and other legitimate online channels.

A media search service, also a media monitoring, press clipping or a clipping as known in earlier times, can provide the clients with copies of media or news content, which is of specific interest to them and subject to changing demand; what we provide may include documentation, content, analysis, or editorial opinion, specifically or widely about the subject matter.

This service tends to specialize in its coverage by subject, industry, size, geography, publication, journalist, or editor. Media search monitoring is generally used for capturing content or editorial opinion, it also may be used to capture advertising content.

Media monitoring services have been variously termed over time, as new players entered the market; new forms of media were created, and as new uses from available content developed. An existing group may provide such a monitoring service, as it relates to their main purpose, while a monitoring agency generally provides such as their main business.

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