My Identity Was Used for a Loan I Didn't Take.
The Recovery Card
You are not legally liable for a loan you did not apply for. But every minute you spend in shock is a minute the perpetrator gets further away. This guide is compact because you don't have time. Skip the prose. Use the tables.
I Didn't
Take
"You are not legally liable for a loan you didn't apply for. The proof is the procedure — and the procedure has a deadline."
15 pages, hour-by-hour recovery procedure.
Skip the prose if you need to. Use the tables. Come back later for the explanations.
Confirm and document
Verify the loan exists, screenshot the evidence, note dates, amounts, and lender contacts before anything else.
Lock your identity
Credit bureau alerts, MySSS lockdown, BPI/UnionBank/GCash freezes, NBI clearance request — in the right order.
File the police blotter
Where to file when you're abroad (the embassy route), who else needs a copy, and the format that holds up later.
Notify the creditor formally
The written notice that stops collection legally, with template language and proof-of-mailing requirements.
Submit the affidavit of denial
Notarization from abroad (consular or apostille), the exact statements required, and what NOT to include.
Credit Information Corporation (CIC) dispute
The official channel for correcting your credit record — and the realistic timeline for resolution.
Civil and criminal options
When prosecution makes sense, when settlement is better, and the cost of each.
Collection call script
What to say, what not to say, how to end the call without admitting anything — in three sentences.
Document checklist
Every paper you need, in the order you'll need it. Print this page.
Four readers we built this for.
OFW who just got a collection call
For a loan you never took.
OFW who saw their name
On a lending app or banking record you don't recognize.
OFW family member
Managing the response from the Philippines.
Anyone whose government ID
Was compromised, lost, or shared with the wrong person.
Cited. Compact. Lifetime updates.
Primary sources only
Republic acts, agency circulars, MySSS / PhilHealth portal docs — every claim cites where it came from.
Independent
Not affiliated with SSS, PhilHealth, OWWA, DMW, or any government agency. No ads. No affiliates.
Updated for life
When the rules change, we update the guide and email you the new edition — free, forever.
30-day money-back
If the playbook doesn't help — email us within 30 days. Full refund. No friction.
The longer the loan sits, the harder the proof. Move now.
One read tonight. The procedure tomorrow. Your family deserves the version of you who already knows the next move.
OFW toolkit
Not sure if this is the only guide you need?
Choose the next tool based on what you are trying to fix: SSS, monthly padala, hospital paperwork, claims, fraud, or full preparation.
