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The cost of credit is the additional amount, over and above the amount borrowed, that the borrower has to pay.

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CIBI Information, Inc. is the leader and trusted partner of many individuals and businesses in credit information and in validating current and potential partners, suppliers and human resource for over 30 years. CIBI has a vast coverage of background checking in national and international spectrum through groundwork, and affiliations with local and foreign information and credit companies. In 1982, Credit Information Bureau, Inc. was established through the power of Presidential decree 1941 and created under Central Bank of the Philippines department of Loans and Credit, the Securities and Exchange Commission (SEC) and the Financial Executives Institute of the Philippines (FINEX); to initiate a credit information exchange system in the country. In 1997, Credit Information Bureau, Inc. was incorporated and transformed into a private entity and became CIBI Information, Inc.

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