Credit repair used to take months of paperwork and waiting.
Now, new mobile apps are helping Filipinos monitor, rebuild, and improve their credit scores faster — sometimes in just a few weeks.
Here are the most trusted ones people are actually using right now.
#1 SeekCap by UnionBank
Best for: Small business owners and freelancers.
What it does: Helps users check eligibility for business loans while tracking repayment history.
Why it works: Every successful repayment is reported back to the credit bureau — boosting your score automatically.
Pro tip:
Even small short-term loans repaid early can raise your score faster than waiting months.
#2 JuanHand
Best for: First-time borrowers.
Features: Instant cash disbursement, easy ID verification, transparent repayment schedule.
Why it works: Uses internal scoring that rewards on-time payments and limits repeat delinquencies.
Pro tip:
If you pay 3 loans consecutively on time, your credit limit can double — which lowers your utilization ratio.
#3 Plentina
Best for: Everyday purchases with credit.
What it does: Lets you buy prepaid load, groceries, or e-commerce products “now, pay later.”
Why it works: Reports your repayment behavior to partner financial institutions, adding positive data to your record.
Pro tip:
Use Plentina for small purchases you’d buy anyway — then repay early to build positive streaks.
#4 Digido Credit Tracker (Add-on Feature)
Best for: Existing Digido users.
Feature: Now includes a credit monitoring dashboard inside the app.
Why it works: You see how each repayment affects your internal score, helping you manage utilization.
Pro tip:
Check it weekly — seeing your “score trend” keeps you motivated to maintain perfect payment streaks.
#5 Credit Sense PH (New Platform 2024–2025)
Best for: Tracking and disputing errors.
What it does: Lets users see their credit report, dispute errors online, and track response times from lenders.
Why it works: Removing one inaccurate negative item can instantly boost your score by 30–60 points.
Pro tip:
Upload clear photo proof and check the “resolved” tab weekly to confirm progress.
⚙️ How These Apps Help Your AdX ROI Too
Each app review page naturally increases time-on-page and pageviews per session, because users click deeper into comparisons.
That’s why these topics usually produce RPM 20–30% higher than standard finance content.
Quick Checklist (Save This)
- Download 2–3 credit repair apps only
- Repay early every time
- Track score weekly
- Dispute errors digitally
- Keep balances under 30%
Next up: Free Credit Boost Checklist (Download Now) →
Disclaimer: Informational only. Always verify lender accreditation before sharing data.