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How to get your credit report using Taiwan's Alien Citizen Digital Certificate[外籍人士自然人憑證]

 Taiwan offers a smart card to adult foreign residents that can be used to verify their identity online. This allows some government services previously only available in person to be provided online, including:
Sounds great! However, the system relies on some ironically insecure/outdated technology, a mishmash of different browser plugins and very few support staff know about its existence. Here's a tip on how to use yours...

How to get your Credit Report from Taiwan's Joint Credit Information Center

  1. Get a Digital Citizen Certificate and set it up in your card reader
  2. Visit , download and install the setup file when prompted.
  3. Close your browser and re-open it (I used Chrome, for reference)
  4. Enter your ARC ID and the CAPTCHA, tick the box to agree to the terms and click the bottom left blue button to sign in.
  5. Enter your IC Card PIN when prompted, and wait … 60 seconds or so
  6. You’re in. You can see 5 buttons down the side: home, Review Credit Report, History View Record, Email Notification Service, Electronic Invoicing
  7. Click Review Credit Report and choose a Reason for inquiry (default is “Learn about credit history”), tick the box for Credit Score and optionally set a password (default is last 6 digits of ARC ID)
  8. Wait … enter your IC card PIN … wait …
  9. Save the PDF of your credit report when prompted.
  10. (optional) Set an email address in the Email Notification Service - you can get emailed when someone requests your credit report in certain circumstances
  11. (optional) Check the view history of your credit report
  12. (optional) Tell me what the Electronic Invoicing bit is, I don’t know!


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