The Credit Information Corporation (CIC) is a government-owned entity in the Philippines, established by the Credit Information System Act of 2008. It provides a centralized credit information system, collecting data from financial institutions and other lenders to evaluate borrowers' creditworthiness. Services include credit reports and data analysis to support lending decisions. The target audience includes financial institutions and businesses. The unique selling proposition is its role as a central repository for credit data, enhancing access to credit and reducing risk for lenders while protecting consumer rights[1][2].