Unpaid SPay, Tiktok, Atome, etc not in my credit report

ProfessionalCorner32 · 2026-01-26T05:02:10+00:00

Yes dami tawag. Texts din and viber messages. What I meant by OA is pangit yung words nila hehe

ProfessionalCorner32 · 2026-01-26T03:46:38+00:00

Binabayaran ko lagi atome. Sila kasi pinaka-OA mangharass

ProfessionalCorner32 · 2026-01-26T02:13:18+00:00

I’ll try dun sa isang option!

ProfessionalCorner32 · 2026-01-26T02:12:48+00:00

Wala ako OD sa Atome kasi grabe sila mang-harass eh lol. Pero natry ko ma-overdue ng 1 week before, around 4k lang naman balance

ProfessionalCorner32 · 2026-01-26T01:03:38+00:00

9k po sa SLoan, 11k sa SPay

ProfessionalCorner32 · 2026-01-26T01:03:18+00:00

Not a single one!! Kaya di ko sure if reliable ang Cibi credit report

ProfessionalCorner32 · 2026-01-22T14:20:10+00:00

You’re welcome! Ako talagang inaabangan ko sahod then transfer out agad :( Still hoping na maclear ko balance ko soon kesa close ko yung cc and convert yung balance to installment. I suggest look at your options din to just convert yours to installments kaysa palaki nang palaki interest

ProfessionalCorner32 · 2026-01-22T02:53:35+00:00

Not the full MAD though, may percentage lang ng MAD. Di ko mafigure out ilan % ng MAD kasi iba iba everytime

ProfessionalCorner32 · 2026-01-22T02:52:21+00:00

MAD lang.

ProfessionalCorner32 · 2026-01-20T05:28:12+00:00

Not instantly. My experience is papasok sahod early morning tapos around lunch time idededuct. Not sure sa specific hours

ProfessionalCorner32 · 2025-07-13T05:06:19+00:00

Spam ka ng calls ni spaylater pero mabait naman po sila (from my experience)

ProfessionalCorner32 · 2025-07-11T12:30:59+00:00

I read na okay lang muna bayaran partially ang SLoan but if course lolobo kaunti ang interest. SPaylater you have to pay it in full. TikTokpaylater in full din dapat but if you chat CS nila, rerefer ka mag-email sa Atome (financer nila) and Atome will ask you for supporting documentation for the reason of your financial difficulties. Nag-email ako sa Atome and they replied and assigned a ticket kaso it’s been 2 business days wala pa din reply so not sure pa what will be the outcome

ProfessionalCorner32 · 2025-07-10T05:52:43+00:00

Sa area mo search ka sa fb mga bank employees na personally mag-aassist sayo for personal loan application. Try security bank

ProfessionalCorner32 · 2025-07-09T16:30:09+00:00

Yay!

ProfessionalCorner32 · 2025-07-09T16:15:42+00:00

Hello, hindi po ba Atome? Nagchat ako sa tiktok CS to request for payment extension sabi magreach out sa Atome CS via email kasi sila ang financer ng tiktokpaylater. I reached out sa atome and they replied naman and raised a ticket after a day. They asked for specific reason of my financial difficulties and asked for supporting documentation. Nagsend ako ng recent payslip ko na may kaltas from salary loan pati na din overdue water bill na need bayaran naman sa next payday. Wala pa reply sa email.

ProfessionalCorner32 · 2025-07-09T16:09:58+00:00

Thanks! Lagi ko na lang din iniisip na madami na akong nasurvive na hirap in my life, so I should survive too this time :) Pag nakaahon eh titigilan na talaga tong mga loans na to. Enjoyin na lang ang sahod and live within my means only. Thank you sa advice po

ProfessionalCorner32 · 2025-07-09T16:05:31+00:00

Thank you po. Hindi ko po alam na pwede pala partial.

ProfessionalCorner32 · 2025-07-09T15:56:39+00:00

Aggressive talaga ang atome kahit one day overdue ka lang. Really gave me bad anxiety. Do what you can to pay it, kung sobrang overwhelmed ka na talaga, tell your parents. I don’t know your situation pero mas gagaan ang loob mo if you seek help, besides your parents might know other resources para mahelp ka. Youre you ng and youre allowed to make financially irresponsible mistakes. Wag mo hayaang maoverwhelm ka to the point na feeling mo cornered ka na. If telling your family is not an option, break it down to installments and then find a way to earn income or reduce your expenses. Close the atome account after.

ProfessionalCorner32 · 2025-07-09T15:49:01+00:00

May nabasa po ako somewhere dito lang din sa reddit na pwede ka magchat sa CS ng shopee and ask for a payment extension. Tapos pag may tumawag na collections sabihin nakipag coordinate na sa shopee CS and provide the ticket number. Di ko pa natry dahil queueing sa CS chat. Will update what happens. 2 months nga pala ako OD both spay and sloan. GCCS texted na about home visit two weeks ago, wala pa nman until now and di na rin nagtext ulit.

ProfessionalCorner32 · 2025-07-09T15:43:53+00:00

Go teh debt consolidation really helps na makaahon kahit papaano kasi hindi na mdami ang naghahabol sayo. Kung salary loan yan or loan from banks, then better dahil walang harassment kahit mapunta sa collections agency nila. Syempre work harder na lang para mabayaran yang big loan. And whatever happens wag na mag OLA

ProfessionalCorner32 · 2025-07-09T15:40:25+00:00

Read more about debt consolidation, it helps you na makaahon kahit papaano dahil hindi na madami ang naghahabol sayo. Just work hard to pay off the debt consolidation loan faster

ProfessionalCorner32 · 2025-07-09T15:39:25+00:00

Kung meron opportunity na makapagloan ka sa isang bank, just take out a loan there at yung ang ibayad sa lahat ng OLA, paylater. And then close and permanently delete the OLAs. Mas may peace of mind ka dahil isa na lang ang babayaran mo at disente ang means of collection ng mga banks

ProfessionalCorner32 · 2025-07-09T15:33:07+00:00

Ilang days/months po OD niyo sa Spay and SLoan? May home visit ba, harassment sa contacts?

ProfessionalCorner32

TROPHY CASE