📈
Unlock credit analysis
Complete a quick assessment and unlock a clear view of your credit standing, scored from 300 to 1000.
Credit score & loan insights
Get to know your credit status in 3 minutes
ScoreToLoan helps you securely track and improve your credit score effortlessly — then shows you loan options that actually match your profile.
Built for the Philippines · No credit card required to start
Credit trend
Loan match
Unlock credit analysis
3001000
0
Your score is Locked
🔒Encrypted end to endHTTPS in transit, encrypted at rest
⚡3-minute setupShort guided assessment
🇵🇵Made for the PhilippinesCIBI, TransUnion, SSS, Pag-IBIG
✅You stay in controlDelete your account any time
What you get
Everything you need to understand your credit
One account, a few minutes, and a much clearer picture of where you stand financially.
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Quick KYC verification
A short, guided verification process so we can better understand your financial situation.
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Personalized loan recommendations
See lending options matched to your actual profile instead of generic, one-size-fits-all offers.
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Score improvement guidance
Practical, Philippines-specific steps you can take to build a stronger credit history over time.
How it works
Three steps to your score
1
Start assessment
Open the app and tap Start Assessment on the home screen to begin a short, guided questionnaire.
2
Complete KYC
Finish a quick and secure KYC verification so we can better understand your financial situation.
3
Unlock your analysis
See your credit analysis, your improvement priorities, and the loan options that fit your profile.
Improve your score
How to improve your score
Nine practical, Philippines-specific moves that help build a stronger credit history.
1
Reduce credit utilization
Access your data through CIBI or TransUnion annually so you always know where you stand.
2
Formalize small loans
Turn “5-6” lending into formal microfinance (e.g., CARD Bank, ASA Philippines).
3
Build utility payment records
Ensure timely payments for electricity, water, and internet bills.
4
Keep contributions continuous
Keep SSS / PhilHealth contributions uninterrupted even when changing jobs.
5
Leverage digital payment records
Stable usage records of GCash and Maya Pay can serve as supplementary proof.
6
Start small
Apply for small formal loans (e.g., under ₱10,000) and repay on time.
7
Join formal lending groups
Participate in community microfinance groups to build credit history.
8
Utilize Pag-IBIG savings
Make regular deposits into Pag-IBIG funds to demonstrate savings capability.
9
Build a mix of credit types
Combine credit cards with small installment loans (e.g., appliance financing).
🗑
Delete your ScoreToLoan account
You can ask us to delete your account and the personal data linked to it at any time. There is no fee and you do not need to reinstall or open the app.
✉
Email your request to
support@scoretoloan.com
Use the subject line Account Deletion Request.
How the request is processed
- 1Email support@scoretoloan.com from the email address registered to your account.
- 2Put Account Deletion Request in the subject line, and include your registered mobile number so we can match the account.
- 3We verify that the request really comes from you — usually within 2 business days.
- 4We delete the account and its associated data within 7 business days and confirm by email.
✓ What we delete
- Account profile: name, email address, mobile number
- KYC verification data and uploaded documents
- Assessment answers, computed scores and credit analysis records
- App usage and device data linked to your account
🕑 What we may keep
- Records we must retain to comply with applicable law, regulation, or anti-fraud and anti-money-laundering obligations
- We keep those records only for the period required, then delete them
- Residual copies may remain in encrypted backups for up to 30 days before being overwritten
Please note: deleting your ScoreToLoan account does not delete or change any record held by a
credit bureau (such as CIBI or TransUnion) or by a lender you have dealt with. To amend those records,
contact the bureau or lender directly.
FAQ
Frequently asked questions
What is ScoreToLoan?
ScoreToLoan is a credit insight tool for users in the Philippines. It helps you understand your credit status, see where you can improve, and find loan options that fit your financial profile.
Is my data secure?
Your information is transmitted over encrypted HTTPS connections and stored with encryption at rest. We limit access to authorised personnel only and review our safeguards regularly.
Does ScoreToLoan lend money?
No. ScoreToLoan is not a lender and does not disburse loans. We provide credit analysis and recommendations; any loan is issued by the lending partner you choose, under their own terms.
How do I delete my account?
You can request deletion at any time by emailing support@scoretoloan.com from your registered email address with the subject “Account Deletion Request”. We verify the request within about 2 business days and complete deletion within 7 business days. See the full steps →
Will deleting my account affect my credit score?
No. Deleting your ScoreToLoan account does not change your credit score and is not reported to any credit bureau.
Is the app free?
You can create an account and complete the assessment at no cost. Any optional paid features and their prices are shown clearly in the app before you confirm anything.
Need help, or want your data removed?
Our support team replies to questions about your account, your data, and account deletion requests. Write to us and we will get back to you.
Support & account deletion
support@scoretoloan.com
Response time
Within 2 business days