User talk:PHcreditcheck

Credit Status in the Philippines
Philippines has change a lot in the economic arena from the past years. Three companies upgrades the investment status of the Philippines as better in business venture rather than previous years.

However as this ratings tells that the Philippine economy becomes better, there are still things on the business industry that the country does not use. Let us take the credit rating.

Credit rating measures the credit worthiness of a debtor, a business or a government. This measure is still not widely used in the country.

For practical example,

Mr. X wants to take a loan from Bank Y. Unknown to Bank Y is that Mr. X still has pending debts to a bank and a credit card company. What will happen next when Bank Y approves the loan?

In time, Bank Y will surely find hard time in getting payments from Mr. X. They will soon, send him numerous billing statements and make calls. Bank Y will only get frustrated and make calls and mails which cost them time and money.

In order to prevent that scenario, necessary credit check shall be done but still it will cost time and effort. In the US there are companies that provide credit information for financial institutions to rely on. But in the Philippines, it is still not a growing process to do credit check. The process of loan approval in the country could be fast if banks can only acquire credit score of an individual.

Credit rating is measured in credit score. It comes numerically. The higher you got the better your financial history is but as it comes low, the worse you get.

However, there are credit verification companies in the Philippines that provide credit history of a prospective loan applicant. They do not provide credit score but give the history and/or pending unpaid transactions of a person. They can provide you the information you need given that the person is in their database.

Your account has been blocked indefinitely from editing Wikipedia because it appears to be mainly intended for publicity and/or promotional purposes. If you intend to edit constructively in other topic areas, you may be granted the right to continue under a change of username. Please read the following carefully.

Your account's edits and/or username indicate that it is being used on behalf of a company, group, website or organization for purposes of promotion and/or publicity. The edits may have violated one or more of our rules on spamming, which include: adding inappropriate external links, posting advertisements and using Wikipedia for promotion. Wikipedia has many articles on companies, groups, and organizations, but such groups are generally discouraged from using Wikipedia to write about themselves. In addition, usernames like yours are disallowed under our username policy.
 * Why can't I edit Wikipedia?

Probably not, although if you can demonstrate a pattern of future editing in strict accordance with our neutral point of view policy, you may be granted this right. See Wikipedia's FAQ for Organizations for a helpful list of frequently asked questions by people in your position. Also, review the conflict of interest guidance to see the kinds of limitations you would have to obey if you did want to continue editing about your company, group, organization, or clients. If this does not fit in with your goals, then you will not be allowed to edit Wikipedia again.
 * Am I allowed to make these edits if I change my username?


 * What can I do now?

If you have no interest in writing about some other topic than your organization, group, company, or product, you may consider using one of the many websites that allow this instead. If you do intend to make useful contributions here about some other topic, you must convince a Wikipedia administrator that you mean it. To that end, please do the following:


 * Add the text on your user talk page.
 * Replace the text "Your proposed new username" with a new username you are willing to use. See Special:Listusers to search for available usernames. Your new username will need to meet our username policy.
 * Replace the text "Your reason here" with your reason to be unblocked. In this reason, you must:
 * Convince us that you understand the reason for your block and that you will not repeat the edits for which you were blocked.
 * Describe in general terms the contributions that you intend to make if you are unblocked.

If you believe this block was made in error, you may appeal this block by adding the text below, but you should read the guide to appealing blocks first. INeverCry  16:31, 19 May 2013 (UTC)