Credit Bureau: Your Financial Report Card
Your credit bureau report is like a personal financial report card — recording your repayment history, credit card usage, and loans.
This information helps banks assess your creditworthiness, loan eligibility, and interest rates.

Checking your credit report enables you to:
✅ Understand your credit profile
✅ Assess your financial risk
✅ Plan your finances
✅ Correct any inaccurate information before applying for a mortgage

Let’s explore 6 simple ways to check your credit report in Thailand:

Method 1: Free Credit Check via “Tang Rat” App
Download the app:

iOS: https://apps.apple.com/th/app/%E0%B8%97%E0%B8%B2%E0%B8%87%E0%B8%A3-%E0%B8%90/id1514331336

Google Play: https://play.google.com/store/apps/details?id=th.or.dga.citizenportal&hl=th&gl=US

Steps:

1. Download the “Tang Rat” app
2. Verify your identity with your ID card
3. Select “Other Services” > “Credit Bureau Check”
4. Fill in your information and answer verification questions
5. Wait for your report via email

Method 2: Free Credit Check via Kiosks
Find kiosk locations here: NCB Kiosk Locator

Steps:

1. Bring your national ID card
2. Choose “Credit Bureau Check”
3. Fill in your information and answer questions
4. Receive your credit report instantly

Method 3: Credit Check via Mobile Banking
Available on these platforms:

• Bangkok Bank
• Government Savings Bank (GSB)
• Krungthai Bank
• TMBThanachart Bank (ttb)
• Kiatnakin Phatra Bank
• Paotang App
• Flash Express App

Steps:

1. Choose “Request Credit Report”
2. Select the report type (basic report or with credit score)
3. Choose your preferred delivery method
4. Read and accept terms and conditions
5. Verify identity through NDID
6. View transaction confirmation and wait for your report
   (Service fee: 150–200 THB)

Method 4: Credit Check at Any Post Office
Visit any post office or service counter nationwide.
Bring your ID card and request a full credit report.

• Service fee: 150 THB
• Receive your report by registered mail within 7 working days
  (Only for personal requests)

Method 5: Credit Check via Bank Branches
Request your credit report at these banks:

• Krungthai Bank
• Government Housing Bank
• Land and Houses Bank
• Bank of Ayudhya (Krungsri)
• Bank for Agriculture and Agricultural Cooperatives (BAAC)

Method 6: Credit Check via ATM
Available at:

• Krungthai Bank (KTB)
• Siam Commercial Bank (SCB)

Steps:

1. Use your ATM card (KTB or SCB)
2. Choose “Credit Report Request”
3. Service fee of 150 THB will be deducted from your account
4. Receive your report by registered mail within 7 working days

Service Fees:

• Basic Credit Report: 150 THB
• Full Report with Credit Score: 200 THB

By taking just a few simple steps, you can check your credit score and financial health on your own — giving you more confidence before applying for a home loan.
If you find any errors in your report, you may submit a correction request along with supporting documents, or ask the bank to reassess your loan application.