An independent credit bureau
The Dinau Control Center (DCC) keeps credit records for borrowers in Papua New Guinea. Lenders report the loans they give and how those loans are repaid, and DCC builds each borrower a single credit history from what every lender reports.
DCC is not part of LoanMasta. It is a separate organisation, and the record it holds about you follows you between lenders — not just with us.
That cuts both ways, and it is worth understanding which way it is cutting for you.
One record per person
Your history is joined up across lenders, so a good record with us helps you elsewhere too.
A credit score
DCC works out a score from your borrowing and repayment history across all reporting lenders.
Only with your consent
We check your record when you apply, and you agree to that as part of your application.
Shared responsibly
Lenders see what you owe and how you repay — not your bank balance or your spending.
What we share, and what we don't
You are entitled to know exactly what leaves our system. Here it is, in plain terms.
What we do share
- Your name, date of birth and ID number, so your record is matched to you and not someone else
- The loans you hold with us — the amount, the repayment and the term
- Whether repayments are being made on time
- Arrears, defaults and recoveries, if they happen
What we never share
- Your bank balance or what you spend money on
- Your payslip or supporting documents
- Your medical, family or employment records beyond the employer name on your loan
- Anything at all with parties who are not licensed to receive credit data
How your record affects your borrowing
Your credit record is not a punishment — for most borrowers it is what gets them a better loan, faster.
You apply for a loan
With your consent, we ask DCC what you already owe to other lenders and how you have been repaying them.
We check the loan actually fits
The point is to make sure the repayment fits your income once everything you already repay elsewhere is counted. A loan you cannot service helps nobody.
You repay, and it is recorded
Every repayment you make builds your record. A clean history is the single best thing you can hold when you next need credit.
If you fall behind
Arrears and defaults are reported. A default can stay on your record and make borrowing harder or more expensive — which is exactly why it is worth talking to us early.
If you are struggling with a repayment, contact us before the due date. There are options available before a default is recorded that disappear afterwards.
Talk to usYour record belongs to you
You can see what DCC holds about you, and you can challenge it if it is wrong. These go directly to DCC.
Read up on DCC, or use its services
DCC is independent of LoanMasta. Whether you want to understand what it holds, check your own record, or subscribe to its services as a lender, go straight to the source.
Questions about your record with us? Contact LoanMasta — for the record DCC holds, contact DCC directly.