ADVANCE.CBP, an accredited Special Accessing Entity (SAE) regulated by the Credit Information Corporation (CIC), has officially opened its new office in Makati, marked by a ribbon-cutting ceremony led by CIC President and CEO Ben Baltazar.

The event also introduced Michelle Anne Chan as Country Manager of ADVANCE.CBP and ADVANCE.AI Philippines. With deep industry expertise and a strong track record in leadership, Michelle is set to drive the company’s mission of reshaping the credit landscape through smarter, more inclusive financial solutions.

The office opening signals a new phase of growth for ADVANCE.CBP, accompanied by the rollout of an ambitious innovation roadmap. This includes enhanced credit reports that provide a detailed view of loan exposure, account usage, and repayment behavior; advanced scoring solutions that incorporate historical credit activity, loan applications, and alternative data sources such as telco, e-commerce, and digital transactions; and streamlined credit insights designed to automate decision-making, improve risk modeling, and reduce the burden of manual reviews.

Working in tandem with ADVANCE.AI, ADVANCE.CBP offers a comprehensive data solutions platform for lenders. By blending CIC-regulated data with alternative sources, the company enables institutions to assess risk more accurately, verify identities, and extend credit to underserved segments. Its advanced analytics and machine learning models are built to improve credit decisioning, boost approval rates, and mitigate bad debt—making credit smarter, faster, and more accessible for all.

“Our goal is simple yet powerful,” said Michelle Anne Chan. “ADVANCE.CBP aspires to lead as a positive disruptor in the credit information space. Traditional models are no longer fit for today’s digital economy. What’s needed is deeper, sharper, and more predictive credit insight—especially to serve communities that have long been excluded from the financial system.”

CIC President Ben Baltazar praised the company’s direction, noting, “We welcome ADVANCE.CBP’s commitment to improving the accessibility and relevance of credit information in the Philippines. Initiatives like this strengthen our financial ecosystem, broaden credit opportunities for the underserved, and support our country’s digital and economic development.”