u/mayr3l

Wanted to share this in case it helps someone else, and also to ask if anyone's actually been through the CIC dispute process recently.

Applied for a loan, got declined by one of the banks. The relationship manager forwarded a summary showing multiple written-off/delinquent accounts under my name totaling over half a million pesos that I had zero memory of. Pulled my TransUnion report through Lista to check.

Turns out my file has been merged with someone else's. Evidence right there on the report itself:

• Two different SSS numbers and two different TINs listed under my name
• Every phone number on file flagged with a note that it's "contributed by more than one member"
• A second email address on file since 2017, under a name phonetically close to mine but not mine

Called the banks involved directly and all three confirmed no account exists under my name.

The part that surprised me most: one of the flagged accounts turned out to be from the card-issuing arm of a bank I actually do have real, active cards with. Checked my own account in-app, the flagged tradeline didn't match either of my real cards. So this isn't just a bureau-side mixup, it looks like it touched the issuing bank's own records too.

Filing a dispute with CIC now, but their online system requires a 14-digit Transaction Reference Number that wasn't printed on the report I pulled, had to go back to the bureau to request it first, which cost a few extra days while I'm also mid-process on the actual loan.

Has anyone gone through a CIC dispute for a merged/commingled file before? How long did resolution actually take, and did having a live loan application pending do anything to speed it up, or does it just run on CIC's own timeline regardless?

Wanted to share this in case it helps someone else, and also to ask if anyone's actually been through the CIC dispute process recently.

Applied for a loan, got declined by one of the banks. The relationship manager forwarded a summary showing multiple written-off/delinquent accounts under my name totaling over half a million pesos that I had zero memory of. Pulled my TransUnion report through Lista to check.

Turns out my file has been merged with someone else's. Evidence right there on the report itself:

• Two different SSS numbers and two different TINs listed under my name
• Every phone number on file flagged with a note that it's "contributed by more than one member"
• A second email address on file since 2017, under a name phonetically close to mine but not mine

Called the banks involved directly and all three confirmed no account exists under my name.

The part that surprised me most: one of the flagged accounts turned out to be from the card-issuing arm of a bank I actually do have real, active cards with. Checked my own account in-app, the flagged tradeline didn't match either of my real cards. So this isn't just a bureau-side mixup, it looks like it touched the issuing bank's own records too.

Filing a dispute with CIC now, but their online system requires a 14-digit Transaction Reference Number that wasn't printed on the report I pulled, had to go back to the bureau to request it first, which cost a few extra days while I'm also mid-process on the actual loan.

Has anyone gone through a CIC dispute for a merged/commingled file before? How long did resolution actually take, and did having a live loan application pending do anything to speed it up, or does it just run on CIC's own timeline regardless?

For context, I was originally eyeing the Corolla Cross V, but I noticed that the price difference compared to the HR-V RS is only around 11K. I’ve already checked the specs, but I still can’t decide.

For long-time owners or anyone familiar with cars, especially those who have tested HEVs or similar models, which one would you lean toward and why?

I’m already approved by the bank, but I’ll only be going to the dealer in July since I’m also moving to a new home.

For usage, I work from home, so I won’t be using the car every day. It’ll mostly be for errands or eating out, though I might also do a long drive once a month.

Genuinely curious lang.

You post a remote job. No salary range. "Competitive compensation." "Will discuss upon interview."

100 people apply. You screen. You interview. May "short" skills test pa, 2 hours ang tagal. Intro video recording pa. Then 3 Zooms later, finally nilabas na ang budget:

₱18K. Non-negotiable. With "potential for growth."

Tapos meron pang ganito na classic lines:

"Salary is negotiable!" Negotiable pababa lang pala. Mag-negotiate ka ng bongga, tapos ikaw pa ang mag-a-adjust. That's not negotiation, that's an auction where you're bidding against yourself.

"We don't want to anchor expectations." You already anchored them. The moment you wrote "must have own laptop, stable internet, and quiet working space". May expectations na kami. Fair lang na mutual yun.

"We're a startup!" Valid. Pero ang Meralco at internet, they don't care if we have a job or not.

So bakit hindi na lang natin i-save ang oras ng lahat?

Post the range → right people apply → fewer screenings → faster hire → everyone saves time.

Doesn't post the range → 150+ applicants → skills test → 3 interviews → offer rejected → back to posting ulit.

The only reason to hide the number is if the number is hiding from the market rate. And if that's the case, the problem isn't the posting strategy. It's the budget.

Anyway. Recruiters, HR friends, I come in peace. Enlighten me sa comments.

Or just post the range. Whichever is easier.

Thinking of buying a Toyota Cross. I've sent inquiries to our banks to get a sample computation and this one replied first. What do you think?

https://preview.redd.it/i71yji5hp15h1.png?width=1448&format=png&auto=webp&s=9c0dc09e507ab7cf6ba6ecf7cd4318bd4d14436f