Can You Check Credit Scores or Debt in Thailand?

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

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.