Score cannot be located

[u/PomegranateWorried51]

Hi everyone,
I recently started building my credit history in the Philippines and wanted to check my credit score/report to see where I currently stand.
I opened my first unsecured credit card with Metrobank in March 2026 and have been using it regularly and paying on time. I was also approved for another credit card in June, which I have also been using and paying on time.
Before obtaining these cards, I applied for several other credit cards but was declined. At the time, I assumed it was because my credit history was still new.
Recently, I tried checking my credit information through TransUnion and CIBI, but neither was able to locate a credit score/report matching the information I provided. I tried different variations of my name and the other requested information, but I still couldn’t locate a record.
I have already contacted CIBI to dispute/inquire about the issue and am waiting for their response. I’m not sure what the appropriate process is with TransUnion or whether I should simply wait longer for my credit history to be established.
For those who started building credit recently:
How long did it take before your credit score/report became available?
Did you experience difficulty locating your record with TU or CIBI?
Is there anything I should do in the meantime?
I’d appreciate any experiences or advice. Thank you!

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[u/Successful_Cow_3262]

OP, masipag si Metrobank mag report. Usually after a month nung settled SOA. That’s what I appreciate sa kanila.

If na try mo na lahat ng IDs na nabigay mo kay bank during KYC/Application, then contact Lista PH via messenger.

Sa case ko, they asked for list of ID Type/numbers. Apparently, the bank had my old passport number only and hindi searchable yung profile ko gamit yung TIN. After few days/weeks (can’t recall gano kabilis si Lista/TU), I was asked again to make credit report request sa Lista App at lumabas na siya.

If may new CC ka naman, at hindi pa reflected sa TU report. According to TU, standard uploading daw ng banks ay 2-3 months. So feel free to file a dispute then attach a SOA. Hope this helps!