![]() Negotiate for a restructuring of your debts.Communicating with the bank that you are willing to settle your debt is a way to show that you are not running away from your obligation. Once you find yourself “blacklisted”, it is best to do the following steps: These local and international banks regularly update their database to allow them to make accurate and efficient credit decisions. ![]() (BAP-DX)īAP-DX provides relevant credit information services for all member banks 3. Bankers Association of the Philippines Data Exchange, Inc.
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