Contact us

Information

Credit Bureau of Vietnam

The trusted enabler of secure, data‑driven business and consumer transactions in Vietnam.

Establishing and managing a reliable credit information system in developing economies depends on access to reliable data for accurate creditworthiness assessment. This is how Credit Bureaus become key enablers of the lending industry in such countries, since they have access to pertinent information about the borrowing and repayment behaviour of consumers and commercial entities.

Operated by Vietnam Credit Information Joint Stock Company (PCB), the credit bureau of Vietnam enables the lending industry by providing relevant insights into the borrowing and repayment behaviour of consumers and commercial entities. PCB delivers comprehensive and trustworthy credit data that supports informed decision‑making across the customer lifecycle, underpinned by consistent quality and proven credit bureau expertise.

About Vietnam Credit Information Joint Stock Company (PCB)

Vietnam Credit Information Joint Stock Company (PCB) is a licensed credit bureau authorised by the State Bank of Vietnam (SBV). Since 2013, PCB has operated as Vietnam’s first fully private credit bureau. Under this license, PCB is authorised to provide credit reports, credit bureau scores, and risk management services to financial institutions and consumers across Vietnam. 

CRIF is a strategic partner and shareholder of PCB, supporting its long‑term development through international expertise, advanced analytics capabilities, and global best practices in credit information services. Together, PCB and CRIF work to strengthen Vietnam’s credit information infrastructure by delivering reliable credit data and risk management solutions that support responsible lending and informed financial decision‑making.

Key Benefits

How PCB Help

  • Responsible lending

    Enable lenders to assess borrowers more accurately, promoting responsible lending decisions and reducing the risk of credit losses.

  • Access to credit

    Expand access to credit by providing a clearer picture of an individual’s creditworthiness, enabling more people to qualify for financial opportunities.

  • Enhance risk monitoring

    Enhance banking oversight by providing deeper insights into credit trends, helping identify emerging systemic risks early.

  • Financial inclusion

    The credit bureau reduces data asymmetry and borrowing costs, enabling the development of sustainable lending.

  • Customer management

    A broad ecosystem of advanced business data analytics gives improved customer insights and leads to better relationship management.

  • Real-time assessments

    The credit bureau enables instant lending processes through the automation of customer assessment processes.

What PCB Offer

The offerings below highlight selected solutions delivered by PCB. For the complete portfolio of PCB’s credit bureau services, please visit PCB’s website: https://pcb.vn/en/.

PCB’s Credit Report is built on CRIF's core technology platform and is designed to deliver a well-rounded view of credit information. It brings together both positive and negative data to support informed decision‑making for individual consumers as well as small and medium‑sized enterprises (SMEs). The report is structured into two main sections:

  • Legal information: covers identification information, contact information, residence history information and other relevant personal or business particulars.
  • Credit information: provides an overview of credit-related data, including loan details, collateral details, credit history, repayment behaviour, credit cards, and approved credit limits by loan types (Installment loans, Overdrafts, and Credit Cards). 

Credit bureau scores are a key part of banks and financial institutions risk assessment processes since they help improve the predictability of a credit risk-based decision. 

Launched in September 2021, the CBS 3.0 model was jointly developed by PCB and CRIF to generate credit scores using credit history data from Participating Organizations. The model is reviewed and refined twice a year to ensure continued accuracy and relevance in changing market conditions.


CBS 3.0 supports credit institutions in assessing customer risk and repayment capacity within 12 months after disbursement, enabling:

  • Customer classification and segmentation
  • Benchmarking against the overall market
  • Integration with automated credit approval systems

Portfolio Explorer provides a consolidated view of portfolio composition and performance across defined customer segments. The insights generated help institutions to:

  • Strengthen credit oversight and portfolio monitoring
  • Shape tailored strategies for different customer segments
  • Segment customers according to risk profiles
  • Identify, track, and mitigate portfolio‑level risk

Other Solutions

Predictive Data Analytics

Credit, Risk & Digital Consulting