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hi guys welcome to bankermon so have you experienced somebody client or might reject your credit card or loan application small um one of the big factors kumbhakit ngayarito is when your name has been included in the nfis so anunga baton nfis and one and went into maximum so 1949 after world war ii the banker association of the philippines has been created so the gusap usa pyeong manga existing banks during that time nama creates london group paramaging efficient and effective young banking services nila and um moving forward in 1990 programmer is the banker association of the philippines credit bureau so this bureau facilitate exchange upgraded information among banks so under this bureau um nfis or the negative file information system nfis shows a list of clients with adverse findings such as bouncing checks cancelled credit cards and paid loans repossessed properties or loans in litigation so how does it works um the bank will just type in the system your name birth date and address