Can You Check Credit Scores or Debt in Thailand?

May 5, 2025 - Reading time: 4 minutes
Updated: May 5, 2025

The word credit spelled out with wooden blocks on a table

At Bangkok Investigators, we are frequently asked by our clients about conducting thorough background checks in Thailand, especially when it comes to financial matters like credit scores and debts. Two very common enquiries we receive are:

  • Can you check a credit score in Thailand?
  • Can you check if someone has debts in Thailand?

Can You Check Someone’s Credit Score in Thailand?

The straightforward answer is no, we cannot check credit scores. While it is true that credit scores do exist in Thailand—banks and financial institutions indeed use them to evaluate loan eligibility—this data is highly confidential. Checking a person's credit score requires explicit consent and active participation from the individual involved. Usually, the individual must go to a bank and personally complete loan paperwork authorising the financial institution to access their credit information.

As a private investigation agency, we do not have access to this confidential banking information, nor can we legally request it. Such private financial details are strictly protected under Thai privacy laws and banking regulations.

Can You Check if Someone Has Debts in Thailand?

Again, the answer is no, we cannot check personal debt. Debt is very common in Thailand, including personal loans, household debts, and cash loans secured against properties, farmland, or homes, especially in rural and agricultural regions. Despite how widespread personal debt may be, detailed records of someone's debts remain confidential and are inaccessible to private investigators.

However, there is one specific debt-related check we can perform—checking vehicle finance. If you provide us with a clear photograph of the licence plate, we can determine if the vehicle has outstanding finance or is under a hire-purchase agreement. You can find further details on our vehicle check page.

What Can You Check?

  • Identity verification (photo, name, age, gender, home address)
  • Fraud, scam, and blacklist checks
  • Marital checks (current marital status, marriage/divorce history)
  • Household checks (other registered residents at the subject's address—family, children, partner)
  • Social media activity and background checks
  • Criminal record checks and active arrest warrants
  • Employment history verification
  • Litigation and court record checks
  • OSINT checks for use of dating sites or dating apps
  • Commercial holdings and company directorship checks
  • Surveillance services for lifestyle and movement verification (additional fees apply depending on case location)

What We CANNOT Check

  • We cannot hack or illegally access phones or social media accounts—this is strictly prohibited and illegal.
  • We cannot check someone's credit score or personal debts.
  • We cannot access personal bank account information.

If you have concerns specifically relating to a Thai partner, we recommend exploring our specialised Thai Lady Investigations services, designed for discreet enquiries and targeted investigative checks.

Get a Free Quote Today

To discuss your investigative needs confidentially and receive a free, no-obligation quote, please contact us by opening a secure support ticket on our website. Our experienced investigation team is ready to assist you professionally and discreetly.


Thai Police Clearance Certificate

May 2, 2025 - Reading time: 4 minutes
Updated: May 2, 2025

Fast Thai Police Clearance Certificate - 17,900 THB inclusive of tax

If you've previously lived or worked in Thailand and now require official proof of your clean criminal record, a Thai Police Clearance Certificate (also known as a Thai Police Certificate or Good Conduct Report) is essential. This document is widely used for employment purposes, visa applications, residency permits, or any official process overseas that requires verification of your criminal record in Thailand.

Who Usually Needs a Thai Police Clearance Certificate?

Typical applicants include:

  • Former Thailand residents seeking employment abroad, particularly teachers, healthcare workers, and professionals working in sensitive environments.
  • Individuals applying for international visas or permanent residency.
  • Anyone involved in international adoption processes or enrolling in overseas educational institutions.
  • Individuals needing official verification of their criminal history while residing in Thailand.

Why Use Bangkok Investigators?

Bangkok Investigators is a professional private agency specialising in assisting clients to obtain a Thai Police Clearance Certificate efficiently and reliably. We are not affiliated with the Thai government or Royal Thai Police. While you can apply directly through official channels, many prefer using our agency for convenience and peace of mind.

Key advantages of choosing our service include:

  • Convenience: We handle the entire process, including liaising with Thai authorities, eliminating stress and hassle.
  • Speed and Reliability: Our streamlined process typically completes within 3–5 working days (excluding international shipping).
  • Expertise: Years of experience ensure accuracy, reducing the risk of delays due to incorrect or incomplete paperwork.
  • English-language Support: Clear communication and constant updates from our dedicated, English-speaking team.

What's Included in Our Service?

Our comprehensive package costs 17,900 THB (inclusive of tax) and includes:

  • Complete document processing and handling with Thai authorities.
  • Digital scanned copy of your certificate upon completion.
  • International delivery of the original certificate directly to your provided address (worldwide delivery included, additional charges may apply for expedited courier services or remote destinations).

(Note: Official Thai police fees are minimal at approximately 100 THB. Our fee includes the official charges plus our professional handling and processing services.)

Required Documents

Please provide the following:

  • Copy of your passport photo page.
  • Copy of your Thai visa page showing entry into Thailand.
  • Copy of your old Thai work permit (if applicable).
  • A recent passport-style photograph.
  • The country in which you will use the certificate (important).

Applying Directly vs. Using Our Agency

While it's possible to apply directly through the official Royal Thai Police website (visit the official Thai Police Clearance Certificate site), many applicants prefer a third-party service to avoid complications associated with language barriers, document translations, or international postage. Choosing our agency ensures the entire process runs smoothly and efficiently.

Get Started Now

If you’re ready to proceed or have any questions, please contact us through our contact form, and our support team will be in touch promptly.

Let us help you secure your Thai Police Clearance Certificate quickly and hassle-free.


Thailand Bans 90-Year Property Leases – What Expats Must Know

March 3, 2025 - Reading time: 6 minutes
Updated: April 10, 2025

The rules of property investment in Thailand have just changed. In a landmark ruling (Case No. 4655/2566), Thailand’s Supreme Court has struck down pre-agreed automatic lease renewals, throwing long-term property security for foreigners into question.

Judge Slamming A Gavel in Court

Image: Stock photo

For decades, foreign investors have relied on leasehold contracts that promised multiple 30-year extensions, effectively granting them near-permanent rights to land. This new decision puts an end to that assumption, reinforcing the legal limit of 30 years per lease with no guaranteed extensions. The ruling means:

  • Pre-arranged lease renewals are void. Any clause promising an automatic renewal is legally meaningless.
  • New negotiations are required after 30 years. A landowner can refuse to extend a lease once it expires.
  • Foreign investors lose a key selling point. Many leasehold properties were marketed with supposed long-term security—this ruling exposes the risks.

Why This Ruling Matters for Foreigners

Foreign ownership of land in Thailand is strictly prohibited. As a result, many expats and investors rely on alternative structures, such as:

  • Leasehold agreements: Now weakened by this ruling, as they can no longer promise extensions.
  • Thai company ownership: Legally risky, especially if the company is a nominee structure.
  • Buying in a Thai spouse’s name: This comes with risks, especially in the event of separation.
  • Purchasing via a Thai child: Possible, but requires proper legal safeguards.

Crackdown on Foreign-Owned Thai Companies

To make matters worse for foreigners seeking property security, the Bangkok Post reports that authorities are ramping up investigations into Thai companies that are secretly controlled by foreigners.

Many expats have used a nominee shareholder structure—where Thai individuals hold shares on paper but have no real involvement in the business—to bypass ownership restrictions. The government has made it clear that:

  • Nominee companies are illegal, and those caught using them risk asset seizure.
  • Investigations are intensifying, targeting foreigners who control land through companies.
  • Real businesses with active Thai partners are still legal, but paperwork is being scrutinised.

What Foreign Investors Should Do Now

The combination of the Supreme Court ruling and the government’s crackdown on nominee companies means that foreigners looking to secure property in Thailand need to be more strategic than ever. Options include:

  1. Review existing lease agreements: If your contract promises an automatic renewal, consult a lawyer to understand your actual legal position.
  2. Reassess Thai company structures: If you own land via a Thai company, ensure it complies with legal requirements to avoid investigations.
  3. Consider alternative investment models: Condominiums remain the only form of property that foreigners can own outright in Thailand.
  4. Stay informed: With legal changes happening quickly, keeping up-to-date is crucial.

How Bangkok Investigators Can Help

At Bangkok Investigators, we specialise in performing asset trace investigations, verifying company legitimacy, performing background checks on key individuals, and conducting due diligence. If you need to investigate a person or company in Thailand, we can provide in-depth intelligence.

However, we are not a law firm and do not provide legal advice. We always recommend consulting multiple independent lawyers before making property investments.

In Closing

The Supreme Court’s decision marks a turning point for foreign property investment in Thailand. The era of guaranteed 90-year leases is over, and legal loopholes are closing fast. Investors who adapt to these changes, seek professional advice, and avoid risky legal structures will be best positioned for the future.

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Why our Investigators Check Thai ID Cards for Authenticity

February 6, 2025 - Reading time: 6 minutes
Updated: February 8, 2025

Private investigation graphic with graphs and elements relating to money, people, and networks

When it comes to verifying the authenticity of Thai identity documents such as ID cards, passports, or driving licences, ensuring that the information is legitimate is crucial. Whether you’re considering a new romantic partner or hiring an employee, it’s important to know that the documents provided are genuine. At Bangkok Investigators, we offer professional services to check the authenticity of Thai ID cards and other official documents, providing peace of mind when you need it most.

Why Verify Thai Documents?

There are numerous situations where you might need to confirm whether a Thai ID card or other official documents are real. You might be looking to ensure the identity of a person you’re considering as a romantic partner, or you might be an employer wanting to perform a pre-employment screening. No matter the reason, we provide reliable background checks that include verifying the authenticity of Thai identity documents.

If you suspect that a Thai ID card, passport, or driving licence may not be genuine, our first step is to authenticate the document. We do this by cross-referencing the information provided and checking it against official records to ensure its validity. Once we’ve confirmed the document’s genuineness, we can proceed with other checks as needed.

The Importance and Benefits of Background Screening

Background screening is essential for anyone looking to make informed decisions, whether it’s for a potential romantic partner or a new employee. Here are the key benefits of background screening services:

1. Increased Security and Peace of Mind

Verifying the authenticity of documents and performing background checks can help prevent fraud, identity theft, and misrepresentation. This ensures you are dealing with the right person, which is particularly critical when it comes to hiring employees or entering into a relationship. Knowing that all information is legitimate provides peace of mind, reducing the risk of future complications.

2. Premarital Checks and Romantic Background Screening

One of the most personal reasons for background checks is premarital screening. Before entering into a serious relationship or marriage, it is important to know if the person you are with is honest and trustworthy. We offer premarital background checks, which can include verifying a potential partner’s identity documents, checking their criminal record, learning about their past relationships, and helping you to make a more informed decision regarding your future together.

3. Protection Against Fraud and Scams

Unfortunately, document fraud is a growing issue, particularly with online interactions. People may falsify their identity in order to deceive others for personal gain. A professional background check can help you verify not only the authenticity of the documents provided but also uncover any fraudulent behaviour, ensuring you don’t fall victim to scams.

4. Informed Decision-Making

Whether you’re about to marry someone, hire an employee, or engage in a business partnership, making decisions without knowing the full truth can have serious consequences. A thorough background check will provide you with crucial information regarding a person’s history, financial standing, criminal record, and employment history, helping you make informed decisions.

5. Pre-Employment Screening for Employers

Employers face great risks when hiring new staff, particularly in sensitive roles. Conducting a comprehensive pre-employment background check can help employers make better hiring decisions by uncovering any discrepancies in a candidate’s résumé or history. Our pre-employment screening services cover criminal background checks, verification of education and employment history, and more. Ensuring that your potential employees are trustworthy helps protect your business from unnecessary risks.

6. Reduction of Risk in Business Partnerships

For businesses looking to engage in partnerships, it’s crucial to know whether the individuals you’re dealing with have a history of dishonesty or financial instability. Our background check services can provide valuable insights into potential partners, helping you avoid working with someone whose reputation could harm your business.

Get in Touch for Reliable Document Verification

If you need to confirm the authenticity of a Thai ID card, passport, or driving licence, we are here to assist. Our expert team is experienced in checking the genuineness of official documents and performing detailed background screenings for a variety of purposes. We understand the importance of accurate information when making important life decisions.

Bangkok Private Investigators logo on a plaque

Simply contact us today to learn more about our document verification and background check services. Our professional team will ensure that you have the information you need to move forward with confidence, whether it’s for a romantic relationship, employment, or business purposes.

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