Credit History in Japan: CIC, JICC, and KSC Explained

Credit history in Japan is not a single portable score but a set of records held by three credit bureaus: CIC, JICC, and the Japanese Bankers Association's Personal Credit Information Center (PCIC, referred to here by the common English shorthand KSC).¹ Card issuers, phone carriers, and lenders read those records when you apply, and history built abroad is not on file, so most new residents start with an empty record.²³

Confirm current details with official sources

Procedures, fees, and requirements can change. Confirm current details at the CIC, JICC, and Japanese Bankers Association Personal Credit Information Center disclosure pages. This article is general information, not legal advice; for a disputed record, existing delinquency, debt restructuring, or bankruptcy history, consult a licensed lawyer (弁護士, bengoshi) or judicial scrivener (司法書士, shihō shoshi) experienced in consumer debt.

Overview

A 個人信用情報機関 (kojin shin'yō jōhō kikan, "personal credit information bureau") collects the contract and payment information its member companies register and provides it back to members when they screen an application.⁴⁵ The bureaus themselves do not screen anyone: CIC states it does no screening and cannot give rejection reasons, and the Personal Credit Information Center likewise states it does no screening.⁴⁶⁷

Several kinds of company read these files. Credit card, shopping credit, and consumer finance companies belong to CIC.⁸ Banks, government-affiliated lenders, credit guarantee associations, and bank-recommended card and guarantee companies belong to the Personal Credit Information Center.⁵

Phone carriers selling handsets on installment also report: SoftBank, for example, registers installment contracts with CIC and JICC.⁹

The bureaus record the same data fields for every resident, whatever their nationality. A 在留カード (zairyū kādo, "residence card") appears on a CIC file as one of the ID types a member can record, and it is accepted ID for mail disclosure at all three bureaus.^10111213 No bureau field guide reviewed lists nationality or residence status as a recorded field.¹⁴¹⁵

Where personal attributes enter the picture, it is in the card company's or lender's own screening, not in the bureau record.¹⁶

No single national credit score

Japan has no FICO-style number that follows you from lender to lender. The disclosure reports from CIC and JICC are built around contracts, balances, payment status, and application records, not a headline score.¹⁴¹⁵

CIC does now offer one optional index. クレジット・ガイダンス (kurejitto gaidansu, "Credit Guidance") is a three-digit figure from 200 to 800 calculated from the credit information CIC holds, shown with up to four reasons that most influenced it (as of October 2026; confirm current figures with CIC).¹⁷⁸

The index leaves out attributes such as age, sex, employer, and place of residence, and is based on objective transaction facts like payment status and balances.⁸ CIC made it available to consumers from 2024-11-28 and announced provision to member credit companies that apply for it from 2025-04-01.⁸

Requesting it costs nothing extra: you tick the Credit Guidance box when you request a CIC disclosure (as of October 2026).¹⁷ Members may use it only for credit screening, and CIC describes it as one piece of reference information within each member's overall screening.¹⁷⁸

You can ask CIC to stop providing your index and reasons to members under the Act on the Protection of Personal Information; this does not stop the underlying credit information from being provided.⁸ Credit Guidance is a CIC service only. JICC's report guide and the Personal Credit Information Center's overview show no equivalent index.¹⁵⁵

Your overseas credit history does not transfer

Each bureau holds only contracts registered by its own member companies. CIC states that contracts with non-members are not on file, and JICC likewise does not hold borrowing from companies outside its membership.²³ A credit record built in another country is therefore invisible to a Japanese bureau.

Card companies call a person with no recorded borrowing or credit history スーパーホワイト (sūpā howaito, "super white").¹⁸ One card issuer explains that such an applicant's creditworthiness is hard to judge, while noting that this is not necessarily disqualifying.¹⁸

The same issuer names credit card use and mobile phone installment payments as ways to start building a record.¹⁸ Both routes are covered in later sections.

The three credit bureaus

Japan has three major credit bureaus, each with its own membership and its own records.¹ Their scale differs, as the Japanese Bankers Association's appendix shows (figures as of 2024-03-31; confirm current figures with the Japanese Bankers Association).¹⁹

Bureau	Established	Member institutions	Registered contracts	As of
Personal Credit Information Center (KSC/PCIC)	October 1988	1,035	99.7 million	2024-03-3119
CIC	September 1984	809	800.0 million	2024-03-3119
JICC	June 1986	1,263	499.5 million	2024-03-3119

CIC: credit cards, installment sales, and phone handsets

株式会社シー・アイ・シー (CIC, English name Credit Information Center Corp.) is the bureau most relevant to credit cards and installment purchases.²⁰¹⁹ It is a designated credit bureau under both the 割賦販売法 (Kappu Hanbai Hō, "Installment Sales Act") and the 貸金業法 (Kashikin Gyō Hō, "Money Lending Business Act").²⁰⁸

Its members are businesses handling consumer credit, such as credit card companies, shopping credit companies, and consumer finance companies.⁸ SoftBank, as a carrier, reports handset installment contracts to CIC.⁹

The Installment Sales Act obliges credit companies to check designated-bureau information on a consumer's credit debts and payment status, as one reference in judging overall ability to pay.¹⁴ The Money Lending Business Act adds the 総量規制 (sōryō kisei, "total-volume rule"): lenders cannot extend new loans once total borrowing exceeds one-third of annual income, so they must check total borrowing through a designated bureau before lending.¹⁴

A CIC report is divided into credit information (contracts and payment status), application information, an access log, reference information you have self-declared, and Credit Guidance information.²¹¹⁴

JICC: consumer finance and lending

株式会社日本信用情報機構 (JICC, English name Japan Credit Information Reference Center Corp.) is the bureau most associated with consumer finance and cash lending.¹⁵¹¹⁹ It was designated under the Money Lending Business Act on 2010-03-11, and money lenders must use designated-bureau data to check a borrower's total borrowing.²²

Its members include money lenders. SoftBank lists JICC as one of the bureaus it reports handset installments to, and one bank's mortgage consent form (headed 2011-04-01) lists JICC as a member bureau.⁹²³

A JICC report separates records into registration files: "File D" mainly for borrowing from money lenders, and "File M" mainly for credit and financial-institution contracts. It also shows whether each registering company is a CIC member as well.¹⁵

KSC: banks, bank card loans, and mortgages

全国銀行個人信用情報センター (Zenkoku Ginkō Kojin Shin'yō Jōhō Sentā) is set up and run by the Japanese Bankers Association (一般社団法人全国銀行協会).⁵ Its English name on the association's pages is "Personal Credit Information Center", and CIC's English guide calls it "JBA (PCIC)".²⁴¹⁰ "KSC" is a common English shorthand but does not appear on the bureau's own pages; this article uses KSC and PCIC interchangeably.

Members are banks and equivalent institutions, government-affiliated financial institutions, credit guarantee associations, and credit card and guarantee companies admitted on a bank's recommendation.⁵ This makes it the bureau most directly tied to bank loans, bank card loans, and mortgages.

PCIC also holds 官報 (kanpō, "Official Gazette") information on bankruptcy and civil rehabilitation.⁵ CIC confirms it does not register gazette bankruptcy information, and JICC's list of registered categories does not include gazette data.²⁵²⁶ PCIC stopped registering dishonored-bill information from 2022-11-04.²⁷

CIC and JICC describe themselves as designated credit bureaus under the statutes above, while PCIC's own pages do not describe it that way.²⁰²²⁵

How the bureaus share information (CRIN and FINE)

The bureaus exchange some, but not all, of their data through three networks. The diagram below shows which bureaus take part in each, based on the bureaus' own descriptions.²⁸²⁹²⁴

CRIN links all three bureaus and has run since March 1987.²⁴¹ It exchanges delinquency (延滞等) information and self-declared comments about lost or stolen ID, and it is run on a voluntary basis.²⁸ CIC lists the data involved as identity data, contract date, type, and amount, delinquency dates and status, and self-declared comments.²⁹

FINE links only CIC and JICC. It exchanges balance information and loan application facts and is required under the Money Lending Business Act's designated-bureau system.²⁸²⁹

IDEA links all three bureaus and has been in service since May 2022 for total-debt checks in card-loan screening. PCIC contributes unsecured card-loan and cash-advance data, while CIC and JICC contribute lending information including delays.²⁸²⁴²⁹

None of the bureaus describes this exchange as instant, and full monthly payment grids are not among the data CRIN exchanges.²⁹²⁸ A late mark on one bureau's payment grid is not automatically visible in the same form at the other two.

Comparison table

The retention periods and disclosure fees below are bureau rules and can change (as of October 2026).^30265313233

Bureau	Japanese name	Statutory designation	Main members	Main records	Negative-record retention	Disclosure channels
CIC	株式会社シー・アイ・シー	Installment Sales Act and Money Lending Business Act20	Card, shopping credit, and consumer finance companies8; SoftBank as a carrier9	Cards, installments including handsets, loans14	During the contract and 5 years after contract end30	Online (My Number Card) ¥500; mail ¥1,5003134
JICC	株式会社日本信用情報機構	Money Lending Business Act22	Money lenders; also carriers and banks923	Loans, cash advances, credit15	Contracts from 2019-10-01: during the contract and within 5 years after contract end2615	App (My Number Card) ¥700; mail ¥2,1773212
KSC (PCIC)	全国銀行個人信用情報センター	Not described as designated on its own pages5	Banks, government-affiliated lenders, guarantee associations, bank-recommended card and guarantee firms5	Bank loans, card loans, mortgages, gazette bankruptcy data5	Up to 5 years from contract end; gazette data up to 7 years from the decision date5	Online (My Number Card) ¥800; mail ¥2,40333

What a credit report contains

Each bureau lays out its report differently. The sections below use CIC's and JICC's own field guides; PCIC's report layout is not covered here.¹⁴¹⁰¹⁵

Contract and balance information

A CIC report lists, for each contract, the company that registered it (登録元会社) and the retention deadline (保有期限), which runs during the contract and up to 5 years from termination (as of October 2026; confirm current figures with CIC).¹⁴ If the balance is ¥0 and a closing-status comment is registered, the deadline is 5 years from the report date instead.¹⁴

Identity fields show your name (katakana on the upper row; kanji, or the alphabet if no kanji was registered, on the lower row), date of birth, sex, phone number, address, employer, and the ID used, such as a driver's license, passport, or residence card.¹⁴¹⁰

The contract fields then cover:

• Contract role (契約の種類): your own contract (本人) or a guarantee (保証人).¹⁴
• Contract type (契約の内容): card and other credit-limit contracts, installment purchases of goods (個品割賦), leases, guarantee contracts, unsecured and guaranteed loans, mortgages (住宅ローン), and transferred debts.¹⁴¹⁰
• Terms: contract date, scheduled end date, number of payments (where "リボ" marks a revolving feature), contract amount, and credit limit, including any cash-advance limit (内キャッシング枠).¹⁴
• Billing: report date, amount billed, amount paid, and remaining balance, including any cash-advance balance.¹⁴
• Statutory fields: under the Installment Sales Act, the installment balance, annual billing, and whether a payment delay occurred, with start and clearance dates; under the Money Lending Business Act, balance, loan dates and amounts, latest and next payment dates, delay status, and closing status.¹⁴

JICC's report opens with a cover page listing your kana, kanji, and alphabet names, date of birth, phone numbers, postcode, and ID numbers (driver's license, passport, residence card).¹⁵ Each contract then shows the registering company, registration file, contract status (active, active with a ¥0 balance, ended, or transferred, with an "under investigation" flag), contract date, transaction type, balance, negative reference information, CIC membership, and payment and completion dates.¹⁵

Payment-status history

The 入金状況 (nyūkin jōkyō, "payment status") grid on a CIC report shows 24 months, with the most recent month on the left (as of October 2026).³⁵ Each cell carries one mark, defined by CIC as follows (as of October 2026).³⁵¹⁰

Mark	Meaning (CIC)
＄	Paid as billed, or more than billed
P	Part of the billed amount paid
R	Payment received from someone other than the customer
A	Not paid on the agreed date because of the customer's circumstances
B	Not paid, for reasons unrelated to the customer's circumstances
C	Not paid, cause unknown
－	No billing and no payment (for example, the card was not used)
Blank (空欄)	No update received from the credit company (for example, the card was not used)

Card companies generally update CIC once a month, depending on their billing cycle, while loans and cash advances are updated by the day after a new contract or change (as of October 2026).³⁶ JICC's report does not use a symbol grid; it shows payment dates, scheduled payment dates, and negative reference entries instead.¹⁵

Application inquiry records

When a member checks your file for a new credit or loan application, CIC registers an 申込情報 (mōshikomi jōhō, "application information") record and keeps it for 6 months from the inquiry date (as of October 2026).²¹³⁰¹⁴ JICC keeps application information within 6 months of the inquiry date (as of October 2026).²⁶

PCIC keeps inquiry records for up to 1 year for your own disclosure, but provides them to members for up to 6 months (as of October 2026).⁵ FINE also passes loan application facts between CIC and JICC.²⁹

CIC's report also has a 利用記録 (riyō kiroku, "access log"), retained 6 months (as of October 2026).¹⁰ It is shown to you but not to member companies, so it plays no part in screening.¹⁰

A cluster of recent applications is visible to the next company that checks your file. No bureau publishes a numeric threshold for "too many" applications, and each company applies its own criteria.⁴

The 異動 (idō) flag: what people mean by "blacklist"

"Blacklist" does not describe how the bureaus work. CIC states it keeps no list by that name; late payments are recorded as objective transaction facts.³⁷ What people usually mean is a 異動 (idō, "serious negative status") record.

At CIC, 異動 is registered for any of three events: a payment delay of 61 days or more, or 3 months or more, from the due date; a guarantor paying because the customer could not; or a court decision to start bankruptcy proceedings (as of October 2026).¹⁴ CIC's English guide calls these "Delinquent during the contract (Long-term delayed payments), Execution of debt guarantee, Decision to declare bankruptcy proceedings."¹⁰

After a 異動 entry, the CIC report shows how the contract developed, such as updates stopped or changed payment terms, and how it ended: paid off (完了), paid by someone else, written off (貸倒), transferred (移管終了), or discharged (法定免責).¹⁴¹⁰

JICC's definition depends on the file. In File D (mainly money-lender borrowing), a 延滞 (entai, "delinquency") entry means no payment at all for 3 months or more from the scheduled date (as of October 2026).¹⁵ In File M (credit and financial-institution contracts), a delay entry means 61 days or more, or 3 months or more, from the agreed date, the same threshold as CIC (as of October 2026).¹⁵

Other JICC negative entries include delinquency cleared, legal collection steps, debt restructuring, bankruptcy petition, guarantor payment, and forced card cancellation.¹⁵ The 61-day-or-3-month rule applies at CIC and in JICC's File M; the 3-month rule applies in JICC's File D. PCIC records delinquency, guarantor subrogation, and forced-collection facts, but its pages reviewed give no day or month threshold.⁵

Why new residents get rejected

A rejection usually has two possible sources: what the bureau file shows, and what the card company or lender decides from your application. Keeping these apart is the first step in working out what to change.

The thin-file ("super white") problem

An empty bureau file gives a company little to evaluate. A card issuer describes a super-white applicant's creditworthiness as hard to judge, which is a different problem from having a bad record.¹⁸

The bureau cannot tell you why you were turned down. CIC states that each credit company applies its own criteria, and suggests using its disclosure service to review what the file actually holds.⁴⁶

Issuer-side factors that are not in your credit report

One card issuer explains that screening mainly checks two things: the applicant's personal attributes (本人属性) and their credit information.¹⁶ The issuer may also call the stated employer to confirm employment.¹⁶

The diagram below shows how the two layers meet. Bureau field guides list no nationality or residence-status field, and CIC's Credit Guidance index deliberately excludes attributes such as age, employer, and place of residence.¹⁴¹⁵⁸

Residence documents matter at the issuer level. One card issuer states that foreign residents need a residence card or special permanent resident certificate to apply, and describes the residence card as available to people staying 3 months or longer.¹⁶

Specific issuer criteria, such as a minimum remaining period of stay, are not published in the sources reviewed for this article. Treat them as each issuer's discretion; Credit Card Rejection: Why It Happens and What Works covers issuer-by-issuer patterns.

How smartphone installment plans create a credit record

Buying a handset on installment is a credit contract, not just a phone bill. SoftBank registers its handset 割賦販売契約 (kappu hanbai keiyaku, "installment sales contract") and related advance-payment contracts with CIC and JICC, including balances, payment dates, and delinquency facts, kept during the contract and within 5 years after it ends (as of October 2026; confirm current figures with your carrier and CIC).⁹

docomo likewise states that paying for a handset in installments under an installment sales or individual credit purchase contract requires screening.³⁸ CIC's label for this kind of contract is 個品割賦 (kohin kappu, "installment purchase of goods").¹⁴¹⁰

That cuts both ways. On-time handset payments are one of the routes a card issuer names for building history, while a missed one lands on the same record a card company will check.¹⁸

Handset installments vs the monthly service charge

The handset installment and the monthly service charge are different obligations. No carrier or bureau source reviewed for this article states that monthly service charges are reported to CIC, JICC, or PCIC; SoftBank's disclosure covers installment and advance-payment contracts only.⁹

Unpaid service charges go through a separate mechanism. A 2017 communications ministry document on the telecom personal-information guideline describes how carriers may exchange non-payer information (name, address, unpaid amount, phone number) among themselves to stop someone who left one carrier unpaid from signing with another.³⁹

Residual-value and return programs are still installment credit. docomo's いつでもカエドキプログラム (Itsudemo Kaedoki Program, as of October 2026) uses a residual-value 24-payment plan defined as installment payment under an installment sales or individual credit purchase contract.³⁸

What one missed payment actually does

At CIC, a payment not made on the agreed date because of your circumstances shows as "A" in that month's cell, and the month stays visible while it is within the 24-month grid (as of October 2026).³⁵ A single late month is an "A" mark, not a 異動 record.

The diagram below traces how a CIC handset or card contract moves from on-time payment to a 異動 record. The 異動 step requires a delay of 61 days or more, or 3 months or more, and the record then stays until 5 years after the contract ends (as of October 2026).¹⁴³⁰

On installment contracts, CIC also records whether a delay occurred on principal or fees, with the dates it started and cleared.¹⁴ The bureau sources reviewed describe no grace period for a failed automatic bank debit; what CIC defines is the "A" mark itself, a payment not made on the agreed date because of the customer's circumstances.³⁵

An empty bank account can trigger the late mark

If your handset or card payment is set to automatic debit and the account is short on the debit date, the payment is not made on the agreed date, which is what CIC's "A" mark records.³⁵ Keep enough in the account before each debit date.

How to request your own credit reports

Requesting your own file is called 信用情報開示 (shin'yō jōhō kaiji, "credit information disclosure"). Every bureau offers an online channel that requires a マイナンバーカード (mai nanbā kādo, "My Number Card") with a valid electronic certificate, and a slower, more expensive mail channel for everyone else.³¹³²⁴⁰

The mail routes rely on two documents most residents can get at a ward office: a 住民票 (jūminhyō, "certificate of residence") and a 印鑑登録証明書 (inkan tōroku shōmeisho, "certificate of a registered personal seal").

The fee table below covers all three bureaus (as of October 2026, or the effective date shown for revised fees; confirm current figures with each bureau's disclosure page).^{3141341142321233401343}

Bureau	Channel	Fee	ID check	As of
CIC	Internet (smartphone)	¥500	My Number Card with valid signature certificate via the マイナPocket app, plus a phone number registered with CIC	2026-103141
CIC	Mail, restricted delivery	¥1,500, plus ticket or money-order issuance fee	Two IDs; one an original 住民票 or 印鑑登録証明書 issued within 3 months	2026-02-21341142
CIC	Mail, restricted delivery, express	¥1,750, plus issuance fee	Same as above	2026-02-2134
JICC	Smartphone app	¥700 (tax included)	My Number Card IC chip reading	2026-1032
JICC	Mail	¥2,177 (postage and convenience-store ticket fee included)	Original 住民票 or similar, plus a copy of a second ID such as a residence card	2026-1012
JICC	Mail, express	¥2,511	Same as above	2026-1012
PCIC (KSC)	Internet	¥800	My Number Card via the TRUSTDOCK app on an NFC device	2026-04-013340
PCIC (KSC)	Mail	¥2,403 (tax and issuance fee included)	Two IDs, one an original issued within 3 months; residence card accepted	2026-04-01331343

Which route you can use depends first on whether you hold a My Number Card with a valid certificate, as the diagram below shows.^313240111213

CIC disclosure

Online disclosure costs ¥500 and can be paid by PayPay, 楽天ペイ (Rakuten Pay), credit or debit card, or carrier billing (as of October 2026).³¹ It runs 8:00–21:45 every day including the year-end period, the report downloads as a PDF right after payment, and you can re-download free within 96 hours (as of October 2026).³¹

You need a My Number Card with a valid signature certificate, and the phone number you use to get the reception number must match one registered with CIC (as of October 2026).³¹ CIC suspended internet disclosure from 2025-04-26 after a third-party disclosure incident and resumed it on 2025-10-09 with My Number Card verification through the マイナPocket app.⁴¹⁴²

Start the CIC download within five minutes

Once the download button appears, CIC requires you to start the download within 5 minutes (as of October 2026).³¹ Have storage space and a stable connection ready before you pay.

Mail disclosure costs ¥1,500, or ¥1,750 for express, plus the ticket or postal money-order issuance fee, and the report is delivered only by 本人限定受取郵便 (honnin gentei uketori yūbin, "restricted-delivery mail") handed only to you (as of 2026-02-21).³⁴¹¹ With a convenience-store ticket, the fee comes to ¥1,650, or ¥1,925 for express, issuance fee included (as of October 2026).¹¹

Expect about 1 week to 10 days, and CIC currently notes that mail processing is taking longer than usual (as of October 2026).¹¹

For mail, send two ID documents, one of which must be an original 住民票 (without your registered domicile or My Number shown) or 印鑑登録証明書 issued within 3 months (as of 2025-05-15).⁴² CIC's in-person counter disclosure ended on 2023-02-28.⁴⁴

JICC disclosure

The JICC app costs ¥700 and accepts credit card or carrier billing, though carrier billing is not available on iPhone (as of October 2026).³² Identity is checked by reading your My Number Card's IC chip, results come in about 1–3 business days, and you must download them within 30 days of the notification email (as of October 2026).³²

JICC lists iOS 18 or later and Android 16 or later as app requirements (as of October 2026).³² Since 2025-11-20, the app accepts only My Number Card reading (the photo-of-ID option was dropped), delivers results inside the app only, and charges ¥700 instead of the previous ¥1,000.⁴⁵

Mail disclosure costs ¥2,177, including restricted-delivery postage and the convenience-store ticket fee, or ¥2,511 for express, and takes 7–10 days after your documents arrive (as of October 2026).¹² JICC's notice of 2026-10-08 says a surge of app and mail applications means reports are taking longer than usual to send (as of October 2026).⁴⁶

Send an original 住民票, 印鑑登録証明書, or 戸籍の附票 (koseki no fuhyō, "family-register address record") together with a copy of a second ID such as a driver's license, passport, residence card, or My Number Card (as of October 2026).¹²

Original documents sent to JICC are not returned

JICC does not return the original 住民票 or other original document you enclose, even on request (as of 2025-12-24).⁴⁷ Order a separate copy if you need one for another procedure.

JICC's disclosure pages describe only the app and mail channels; no counter service is listed.³²¹²

KSC disclosure

PCIC's internet disclosure costs ¥800, down from ¥1,000 (as of 2026-04-01).³³ Payment is by credit or debit card, PayPay, or carrier billing (which needs a mobile network connection, not Wi-Fi), lump sum only, and identity is checked with a My Number Card through the TRUSTDOCK app on an NFC-capable device (as of 2026-04-01).⁴⁰⁷

PCIC deletes your online report after 10 days

PCIC uploads the report as a PDF and deletes it 10 days after upload (as of October 2026).⁴⁰ Save a copy as soon as the notice arrives.

Mail disclosure costs ¥2,403 (¥2,060 disclosure fee plus ¥343 issuance fee), paid with a ticket bought from the in-store terminal at a Seven-Eleven, FamilyMart, Lawson, or Ministop, with no refunds (as of 2026-04-01).¹³³³ Since 2025-12-01, you send two ID documents, at least one an original issued within 3 months, and the report comes back by restricted-delivery mail that cannot be forwarded; a residence card or special permanent resident certificate is accepted (as of 2025-12-01).⁴³

PCIC publishes no business-day turnaround at present. Its current notice says applications have risen sharply and both identity verification and post-payment processing are taking considerably longer than normal (as of October 2026).⁷⁴⁰

There is no counter, and member banks do not accept disclosure applications.⁷

Reading your report in English

CIC does not issue an English-language report, but it does publish English PDF guides explaining how to read its Japanese report.⁴⁸⁴⁹¹⁰ No English report or guide was found for JICC or PCIC; JICC's field guides are in Japanese.¹⁵

The table below pairs the labels you are most likely to need with CIC's English wording, plus the related legal and procedural terms used in this article.

Japanese	Reading	Meaning
入金状況	nyūkin jōkyō	CIC's monthly payment-status grid ("payment history")1035
異動	idō	Serious negative status ("Delinquent" in CIC's guide)1410
終了状況	shūryō jōkyō	Closing status: 完了 paid off, 貸倒 write-off, 法定免責 statutory discharge10
申込情報	mōshikomi jōhō	Application information2110
利用記録	riyō kiroku	Access record, not shown to members10
参考情報	sankō jōhō	Reference information, including your self-declarations10
本人申告	honnin shinkoku	Self-declaration registered with a bureau10
異動参考情報等	idō sankō jōhō tō	JICC's negative reference entries15
契約状態	keiyaku jōtai	JICC contract status15
延滞	entai	Delinquency (in JICC's File D, 3 months or more unpaid)15
開示報告書	kaiji hōkokusho	CIC disclosure report14
信用情報記録開示書	shin'yō jōhō kiroku kaijisho	JICC disclosure report15
指定信用情報機関	shitei shin'yō jōhō kikan	Designated credit bureau2022

Records only appear if the bureau can match them to you. CIC discloses records where your katakana name, date of birth, and phone number all match, and names a mismatch as a reason records do not appear.² JICC searches using the details on your application form, so a different former address or phone number can keep a record from showing.³

PCIC's online application must match the details on your My Number Card certificate.⁷

How long negative records last

Retention depends on the bureau, the type of record, and, at JICC, the date the contract was signed. The schedule below summarizes each bureau's published rules (as of October 2026; confirm current figures with each bureau).^{3021102615527}

Bureau	Record type	Retention	Clock starts	As of
CIC	Credit information (contracts, payment status, 異動)	During the contract + 5 years	Contract end	2026-103021
CIC	Application information	6 months	Inquiry date	2026-103021
CIC	Self-declared and association-request information	5 years	Registration date	2026-102110
JICC	Contracts and payment status (contracts from 2019-10-01)	During the contract + within 5 years	Contract end	2026-1026
JICC	Contracts and payment status (contracts to 2019-09-30)	Up to 5 years	Full repayment	2026-1026
JICC	Ongoing delinquency (延滞)	While the delinquency continues	n/a	2026-1015
JICC	Delinquency cleared (contracts from 2019-10-01)	During the contract + within 5 years	Contract end	2026-1015
JICC	Delinquency cleared (contracts to 2019-09-30)	1 year	Resolution date	2026-1015
JICC	Collection, debt restructuring, bankruptcy petition, civil rehabilitation (contracts from 2019-10-01)	During the contract + within 5 years (a legal petition entry ends if the petition is withdrawn)	Contract end	2026-1015
JICC	Same, contracts to 2019-09-30	Within 5 years	Date of occurrence	2026-101526
JICC	Guarantor payment, forced card cancellation (contracts from 2019-10-01)	During the contract + within 5 years	Contract end	2026-1015
JICC	Same, contracts to 2019-09-30	Within 5 years	Date of occurrence	2026-1015
JICC	Debt transferred to a non-member	Within 1 year	Transfer date	2026-1015
JICC	Application information	Within 6 months	Inquiry date	2026-1026
JICC	Self-declaration comments	Within 5 years	Registration date	2026-1026
PCIC	Transaction records, including delinquency, subrogation, forced collection	Up to 5 years	Contract end (or completion)	2026-105
PCIC	Official-gazette data (bankruptcy, civil rehabilitation)	Up to 7 years	Decision date	2026-10527
PCIC	Inquiry records	1 year (your disclosure) / 6 months (members)	Inquiry date	2026-105
PCIC	Self-declarations	Up to 5 years	Registration date	2026-105

Delinquency and 異動 records

At CIC, credit information including 異動 stays during the contract and for 5 years after the contract ends, then is deleted automatically (as of October 2026).³⁰ The clock runs from contract end, not from the missed payment, so a contract that stays open and unpaid stays on file.³⁰²⁶

JICC uses "within 5 years" because a record can disappear early if the registering company leaves JICC; normally it lasts 5 years after the contract ends.⁵⁰ For JICC contracts signed before 2019-10-01, several clocks start from repayment or from the date of the event instead.²⁶¹⁵

There is no single "5 years at every bureau" rule. Start points and record categories differ by bureau and, at JICC, by contract date, so check each report you hold against the schedule above.

Bankruptcy and official-gazette information

PCIC shortened its retention of official-gazette information from 10 years to 7 years effective 2022-11-04, and now keeps it for up to 7 years from the decision date (as of October 2026).²⁷⁵

CIC does not register gazette bankruptcy information. Once a discharge becomes final, credit companies register the contract end based on it, and that record stays 5 years from contract end (as of October 2026).²⁵ JICC registers a bankruptcy petition (破産申立) as one of its negative reference entries.¹⁵

Correcting errors

Bureaus correct errors, not accurate records. CIC states that factual records cannot be corrected or deleted on request; if a record looks wrong, contact the company that registered it, which investigates and corrects it if it is wrong.⁵¹

JICC also sends you to the registering company first. If that does not resolve it and you have clear evidence of an error, you can ask JICC to investigate within 2 months of your disclosure, through its support line on 0570-055-955, weekdays 10:00–16:00 (as of October 2026).⁵² Records under investigation are marked 調査中 ("under investigation").¹⁵

At PCIC, complaints that information is not factual are accepted by the registering member or by the center, and a code showing the investigation is held while it lasts.⁵³ The general path looks like this; CIC's guidance stops at the registering company, while JICC and PCIC describe a bureau-level step.⁵¹⁵²⁵³

Separately, you can register a 本人申告 (honnin shinkoku, "self-declaration") comment, such as lost ID, possible identity theft, a same-name-and-birthday mix-up, voluntary restraint from borrowing, or a pending dispute.¹⁰¹⁴ At CIC it is kept 5 years from registration (as of October 2026).¹⁰

Building a credit history deliberately

A file builds only from contracts with bureau members, paid on time. The sections below set out the routes the sources support; none of them guarantees approval by a given date.

First 6 to 12 months

Treat the first 6 to 12 months as a planning window, not a rule: no bureau publishes how long a file must be before a company will approve you. What the sources support is the route: a card issuer names credit card use and mobile phone installment payments as ways to build history.¹⁸

Each month you pay as billed shows as "$" on the CIC grid (as of October 2026; confirm current figures with CIC).³⁵ For starter-card options, see First Credit Cards in Japan for Foreign Residents; Debit Cards in Japan for Foreign Residents covers the cards you can use while the file is still thin.

Utility bills do not build bureau history on their own. CIC states that bills paid by direct bank debit are not credit contracts and are not registered; utilities charged to a credit card become part of that card's record.⁵⁴

Charge utilities to a card to add on-time months

Paying utility bills by credit card puts those payments inside a contract CIC records, while direct bank debit does not.⁵⁴ Pay each card bill as billed so the month shows "$" on the grid.³⁵

Before a mortgage application

Banks check their member bureaus and partner bureaus. One bank's mortgage consent form (headed 2011-04-01), for example, names PCIC and JICC as member bureaus and CIC as a partner bureau, with records used to judge repayment ability; other lenders' arrangements may differ.²³ Mortgages for Foreign Residents covers lender and residence-status criteria.

Pull all three reports well before applying, so you have time to raise errors. Current turnaround is a constraint: PCIC reports processing considerably longer than normal, JICC mail takes 7–10 days after arrival and JICC currently reports delays, and CIC mail takes about 1 week to 10 days (as of October 2026).^40124611

Revolving features show on CIC reports in the number-of-payments field, and cash-advance limits and balances appear separately.¹⁴¹⁰ Under the Money Lending Business Act's total-volume rule, money lenders cannot extend new borrowing beyond one-third of annual income, which is why lenders look at total balances including cash advances.¹⁴

Habits that quietly damage a file

Several routine habits leave visible traces:

• Revolving and cash-advance balances are recorded and visible to members.¹⁴
• Each new application leaves an inquiry record at CIC and JICC for 6 months (as of October 2026).³⁰²⁶
• A card left with an unpaid balance can end as a write-off (貸倒) or a transferred debt (移管終了) at CIC.¹⁰
• Forced card cancellation for inability to pay is recorded at JICC, as カード強制解約 in File D or 強制解約 in File M.¹⁵

Good to know

Leaving Japan with an unpaid balance follows you back

Retention runs from contract end, not from your departure date (as of October 2026; confirm current figures with each bureau). An unpaid card or handset contract stays open with its delinquency recorded, so it is still on file if you return on a new visa.³⁰²⁶

If the debt is handed to a third party, CIC shows it as transferred (移管終了) and JICC as transferred (譲渡済).¹⁰¹⁵ CIC also has a re-inquiry type that lets members find records with the same name and date of birth but a different phone number, so a new phone number does not hide an old record.¹⁰

Paying off a delinquent account does not erase the record

Clearing arrears adds a "delinquency cleared" (延滞解消) entry with its date, but the earlier 異動 history stays for the retention period at CIC.¹⁴¹⁰ At JICC, a cleared delinquency on a contract from 2019-10-01 stays during the contract and within 5 years after it ends (as of October 2026).¹⁵

CIC does not correct or delete accurate records on request.⁵¹

Name format consistency matters

CIC discloses records only where your katakana name, date of birth, and phone number all match, and its files show your kanji name, or your alphabet name if no kanji was registered.²¹⁴ JICC holds kana, kanji, and alphabet names in separate fields, and a different former address or phone number can stop a record from appearing in your disclosure.¹⁵³

Using the same name form with every lender, such as the form on your residence card, reduces the chance of records being split or missed.

Online disclosure at every bureau needs a My Number Card

CIC, JICC, and PCIC all verify online applicants with a My Number Card and its electronic certificate.³¹³²⁴⁰ Without one, mail is the only route (as of October 2026), and it needs an original ID document such as a 住民票 or 印鑑登録証明書 issued within the last 3 months, so allow time to collect it from your ward office first.⁴²¹²⁴³

Mail disclosure costs roughly three times the online fee

At every bureau, mail costs several times the online route: CIC ¥1,500 against ¥500, JICC ¥2,177 against ¥700, and PCIC ¥2,403 against ¥800 (as of October 2026).^3134321233 Requesting all three reports by mail with convenience-store tickets costs ¥6,230 (CIC ¥1,650 with its ticket fee included), against ¥2,000 online (as of October 2026).¹¹

Rent guarantor companies may check credit bureaus

Some rent guarantee providers are card companies that belong to a credit bureau. A 2016 overview from the land ministry grouped several card companies offering rent guarantees under CIC (as of 2016-09).⁵⁵

Other guarantors use a different database. 全国賃貸保証業協会 (Zenkoku Chintai Hoshō Gyō Kyōkai, "national rent-guarantee association", LICC) collects and manages its own rent subrogation records for member guarantors, separately from the credit bureaus (as of 2016-09).⁵⁵ Not every guarantor checks a credit bureau; The Guarantor Company System covers how guarantors screen tenants.

Credit-repair offers are a red flag

No service can lawfully have accurate bureau data removed. CIC states factual records cannot be corrected or deleted, and only the registering company corrects genuine errors after investigation.⁵¹ JICC routes corrections through the registering member and investigates only where there is clear evidence of error.⁵²

For real debt problems, such as existing delinquency, debt restructuring, or bankruptcy, a lawyer (弁護士) or judicial scrivener (司法書士) experienced in consumer debt is the appropriate contact.

See also

• The Visa-Bank-Phone-Apartment Chicken-and-Egg Problem
• Mobile Plan Considerations for Foreign Residents
• Mismatched Katakana Across Japanese Documents
• Fraud and Scams Targeting Residents
• Departure Checklist: The 90-Day Run-Up

References

Footnotes

1. Japanese Bankers Association. "Credit Information Bureaus in Japan" (English appendix). https://www.zenginkyo.or.jp/en/pcic/appendix/appendix-01/ ↩ ↩² ↩³ ↩⁴

2. 株式会社シー・アイ・シー (CIC). FAQ 「CICに登録されているはずの情報が開示（回答）されなかったのはなぜですか？」. https://www.cic.co.jp/faq/detail/1087.html ↩ ↩² ↩³ ↩⁴

3. 株式会社日本信用情報機構 (JICC). FAQ 「登録されていると思っていた情報が開示結果に記載されていませんでした。ちゃんと調べていますか？」. https://www.jicc.co.jp/faq/detail/a095i000000LtgHAAS ↩ ↩² ↩³ ↩⁴

4. 株式会社シー・アイ・シー (CIC). FAQ 「クレジットの申込みを断られたのですが、CICで理由はわかりますか？」. https://www.cic.co.jp/faq/detail/1098.html ↩ ↩² ↩³ ↩⁴

5. 全国銀行個人信用情報センター (PCIC). 「全国銀行個人信用情報センターの概要」. https://www.zenginkyo.or.jp/pcic/about/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰

6. 株式会社シー・アイ・シー (CIC). FAQ 「携帯電話の分割払い審査で否決され、『CICに理由を聞いてほしい』と言われました。CICで審査の否決理由は確認できますか？」. https://www.cic.co.jp/faq/detail/1109.html ↩ ↩²

7. 全国銀行個人信用情報センター (PCIC, Japanese Bankers Association). 「本人開示の手続き」. https://www.zenginkyo.or.jp/pcic/open/ ↩ ↩² ↩³ ↩⁴ ↩⁵

8. 株式会社シー・アイ・シー (CIC). News Release No.501 「『クレジット・ガイダンス』クレジット会社への提供開始」 (2025-03-18, PDF). https://www.cic.co.jp/71b28cf69867b2983d9c87588a6677874ad833cf.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰

9. ソフトバンク株式会社. 「割賦販売等における個人情報の取扱いについて」. https://www.softbank.jp/corp/privacy/installment/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷

10. 株式会社シー・アイ・シー (CIC). "How To Read Your Credit Report (Excerpt)" (PDF, English). https://www.cic.co.jp/2f885194d18e47147774ae89e6999b4ea9b1d6b6.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰ ↩²¹ ↩²² ↩²³ ↩²⁴ ↩²⁵ ↩²⁶ ↩²⁷ ↩²⁸

11. 株式会社シー・アイ・シー (CIC). 「郵送で開示する」. https://www.cic.co.jp/credit-report/mailing/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹

12. 株式会社日本信用情報機構 (JICC). 「郵送による開示手続き」. https://www.jicc.co.jp/kaiji/01/01 ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹²

13. 全国銀行個人信用情報センター (PCIC). 「郵送による開示手続」. https://www.zenginkyo.or.jp/pcic/open/mail/ ↩ ↩² ↩³ ↩⁴ ↩⁵

14. 株式会社シー・アイ・シー (CIC). 「『信用情報開示報告書』表示項目の説明」 (PDF, Japanese). https://www.cic.co.jp/credit-report/documents/kaijishosai.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰ ↩²¹ ↩²² ↩²³ ↩²⁴ ↩²⁵ ↩²⁶ ↩²⁷ ↩²⁸ ↩²⁹ ↩³⁰

15. 株式会社日本信用情報機構 (JICC). 「＜詳細版＞『信用情報記録開示書』項目説明書」 (PDF, linked from https://www.jicc.co.jp/kaiji/viewpoint). https://bucketeer-f4059c47-4409-4145-8d01-0770b258d15b.s3.amazonaws.com/a035i0000056nmGAAQ/%EF%BC%9C%E8%A9%B3%E7%B4%B0%E7%89%88%EF%BC%9E%E3%80%8C%E4%BF%A1%E7%94%A8%E6%83%85%E5%A0%B1%E8%A8%98%E9%8C%B2%E9%96%8B%E7%A4%BA%E6%9B%B8%E3%80%8D%E3%81%AE%E8%A6%8B%E6%96%B9.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴ ↩¹⁵ ↩¹⁶ ↩¹⁷ ↩¹⁸ ↩¹⁹ ↩²⁰ ↩²¹ ↩²² ↩²³ ↩²⁴ ↩²⁵ ↩²⁶ ↩²⁷ ↩²⁸ ↩²⁹ ↩³⁰ ↩³¹ ↩³² ↩³³ ↩³⁴ ↩³⁵ ↩³⁶

16. 三井住友カード. 「外国人でもクレジットカードは作れる？条件や審査のポイント、おすすめのカードを紹介」 (2026-03-10). https://www.smbc-card.com/nyukai/magazine/knowledge/credit-card_foreigner.jsp ↩ ↩² ↩³ ↩⁴

17. 株式会社シー・アイ・シー (CIC). 「クレジット・ガイダンス」 (guide page). https://www.cic.co.jp/guide/credit-guidance/ ↩ ↩² ↩³

18. 三菱ＵＦＪニコス. 「クレヒスとは？審査に影響する信用情報の重要性と確認方法」 (2025-12-09). https://www.cr.mufg.jp/mycard/knowledge/22032/index.html ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

19. Japanese Bankers Association. "Credit Information Bureaus in Japan (as of March, 2025)" (English appendix table). https://www.zenginkyo.or.jp/en/pcic/appendix/appendix-03/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

20. 株式会社シー・アイ・シー (CIC). 「会社概要」 (company outline). https://www.cic.co.jp/company/information/outline/ ↩ ↩² ↩³ ↩⁴ ↩⁵

21. 株式会社シー・アイ・シー (CIC). 「CICが保有する信用情報」. https://www.cic.co.jp/guide/credit-information/possession/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷

22. 株式会社日本信用情報機構 (JICC). 「指定信用情報機関制度」. https://www.jicc.co.jp/aboutus/credit-info/designated-credit ↩ ↩² ↩³ ↩⁴

23. 住信SBIネット銀行. 「住宅ローン個人情報の取扱いに関する同意書面」 (PDF). https://www.netbk.co.jp/contents/resources/pdf/term_kojinjoho_hl_230401.pdf ↩ ↩² ↩³

24. Japanese Bankers Association. "Personal Credit Information Center" (English, info-center page). https://www.zenginkyo.or.jp/en/pcic/info-center/ ↩ ↩² ↩³ ↩⁴

25. 株式会社シー・アイ・シー (CIC). FAQ 「自己破産をするとCICに登録されますか？」. https://www.cic.co.jp/faq/detail/1103.html ↩ ↩²

26. 株式会社日本信用情報機構 (JICC). 「信用情報の登録内容と登録期間」. https://www.jicc.co.jp/aboutus/credit-info/registration ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹² ↩¹³ ↩¹⁴

27. 全国銀行個人信用情報センター (PCIC). 「一部情報の登録終了および登録期間の短縮について」 (notice dated 2022-11-04). https://www.zenginkyo.or.jp/pcic/info/18379/ ↩ ↩² ↩³ ↩⁴

28. 株式会社日本信用情報機構 (JICC). 「信用情報機関間の情報交流」. https://www.jicc.co.jp/aboutus/credit-info/information-exchange ↩ ↩² ↩³ ↩⁴ ↩⁵

29. 株式会社シー・アイ・シー (CIC). 「信用情報の交流」. https://www.cic.co.jp/guide/credit-information/exchange/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

30. 株式会社シー・アイ・シー (CIC). FAQ on registration periods. https://www.cic.co.jp/faq/detail/1105.html ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹

31. 株式会社シー・アイ・シー (CIC). 「インターネットで開示する」. https://www.cic.co.jp/credit-report/online/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹²

32. 株式会社日本信用情報機構 (JICC). 「信用情報の開示（本人）」. https://www.jicc.co.jp/kaiji/01 ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹ ↩¹⁰ ↩¹¹ ↩¹²

33. 全国銀行個人信用情報センター (PCIC). 「本人開示および本人申告の手数料改定等について（2026年4月1日以降）」 (notice dated 2026-03-02). https://www.zenginkyo.or.jp/pcic/info/21544/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸

34. 株式会社シー・アイ・シー (CIC). 「郵送開示における開示報告書の送付手段変更のお知らせ」 (notice dated 2026-02-02, PDF). https://www.cic.co.jp/f32c34d4ecda3643228cde513ba5ce4f67ba364a.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶

35. 株式会社シー・アイ・シー (CIC). FAQ 「開示報告書の≪入金状況≫に表示される＄やAなどの記号は何ですか？」. https://www.cic.co.jp/faq/detail/1088.html ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸

36. 株式会社シー・アイ・シー (CIC). FAQ 「情報の登録や更新のタイミングはいつですか？」. https://www.cic.co.jp/faq/detail/1104.html ↩

37. 株式会社シー・アイ・シー (CIC). FAQ 「支払いが遅れると、ブラックリストとしてCICに登録されますか？」. https://www.cic.co.jp/faq/detail/1106.html ↩

38. 株式会社NTTドコモ. 「いつでもカエドキプログラム」. https://www.docomo.ne.jp/campaign_event/kaedoki_program/ ↩ ↩²

39. 総務省. 「電気通信事業における個人情報保護に関するガイドラインの解説改正案 新旧対照表」 (別紙2, 2017, PDF). https://www.soumu.go.jp/main_content/000490285.pdf ↩

40. 全国銀行個人信用情報センター (PCIC). 「インターネットによる開示手続」. https://www.zenginkyo.or.jp/pcic/open/internet/ ↩ ↩² ↩³ ↩⁴ ↩⁵ ↩⁶ ↩⁷ ↩⁸ ↩⁹

41. 株式会社シー・アイ・シー (CIC). 「インターネット開示サービスの再開」 (notice dated 2025-09-22, PDF). https://www.cic.co.jp/e789feaa24f791766230be76a92c771d7affe95a.pdf ↩ ↩² ↩³

42. 株式会社シー・アイ・シー (CIC). 「郵送開示における『本人確認書類の変更』および『開示手数料の引き下げ』のお知らせ」 (notice dated 2025-05-07, PDF). https://www.cic.co.jp/15b40820a07b8fe90f7b55370529d7ee17b56c1e.pdf ↩ ↩² ↩³ ↩⁴ ↩⁵

43. 全国銀行個人信用情報センター (PCIC). 「郵送における本人開示および本人申告における本人確認書類・郵送方法の変更について（2025年12月1日以降）」 (notice dated 2025-11-04). https://www.zenginkyo.or.jp/pcic/info/21316/ ↩ ↩² ↩³ ↩⁴

44. 株式会社シー・アイ・シー (CIC). 「『来社開示サービスの終了』および『開示手数料の改定』のお知らせ」 (notice dated 2023-02-27, PDF). https://www.cic.co.jp/eada8d860bee76b69cf3ce3b8b08f19b8fcfbb27.pdf ↩

45. Impress Watch. Article on JICC disclosure-service changes (2025-10-17). https://www.watch.impress.co.jp/docs/news/2055957.html ↩

46. 株式会社日本信用情報機構 (JICC). 「信用情報開示および本人申告コメント登録の遅延について」 (notice dated 2026-10-08). https://www.jicc.co.jp/news/a04TL00001WlLPTYA3 ↩ ↩²

47. 株式会社日本信用情報機構 (JICC). Notice on documents required with disclosure applications (2025-12-24). https://www.jicc.co.jp/notes/a04TL00000uEoskYAC ↩

48. 株式会社シー・アイ・シー (CIC). FAQ 「英語版の開示報告書はありますか？」. https://www.cic.co.jp/faq/detail/1079.html ↩

49. 株式会社シー・アイ・シー (CIC). FAQ 「開示報告書を見てもわからないところがあるのですが、見方を教えてください。」. https://www.cic.co.jp/faq/detail/1083.html ↩

50. 株式会社日本信用情報機構 (JICC). FAQ 「登録期間で『契約終了後５年以内』の『以内』とはどういう意味ですか？」. https://www.jicc.co.jp/faq/detail/a095i000000LtgDAAS ↩

51. 株式会社シー・アイ・シー (CIC). FAQ on correction or deletion of registered information. https://www.cic.co.jp/faq/detail/1099.html ↩ ↩² ↩³ ↩⁴

52. 株式会社日本信用情報機構 (JICC). FAQ 「開示結果の内容に心当たりがない場合や事実と異なる記載がある場合は、ＪＩＣＣが訂正してくれますか？」. https://www.jicc.co.jp/faq/detail/a095i000000LtgLAAS ↩ ↩² ↩³

53. 全国銀行個人信用情報センター (PCIC). 「個人情報の取扱い」. https://www.zenginkyo.or.jp/pcic/privacy/ ↩ ↩²

54. 株式会社シー・アイ・シー (CIC). FAQ 「公共料金の延滞も登録されますか？」. https://www.cic.co.jp/faq/detail/1097.html ↩ ↩²

55. 国土交通省. 資料4-2「業界団体における取組」 (家賃債務保証業界について, data as of 2016-09, PDF). https://www.mlit.go.jp/common/001150643.pdf ↩ ↩²