Thailand National Credit Bureau

The National Credit Bureau (NCB) in Thailand, established in 2005 through the merger of two previous credit reporting agencies, serves as the country’s primary credit information provider. NCB collects and maintains comprehensive credit data for both consumers and businesses, facilitating informed lending decisions by financial institutions. It offers services such as credit reports, which include both positive and negative information about borrowers, and helps reduce lending risks by providing insights into creditworthiness. With a database encompassing approximately 56 million consumer accounts and 4 million commercial accounts, NCB processes around 1.1 million consumer inquiries monthly, supporting members in evaluating credit applications and managing risk effectively. Additionally, NCB allows individuals to check their credit histories and dispute inaccuracies, enhancing transparency in the credit market.

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