Activities of collection agencies and credit bureaus
Hoạt động dịch vụ hỗ trợ thanh toán, tín dụng
This subclass includes activities related to the collection of payments and the provision of credit information services.
Includes
- Debt collection services
- Credit reporting services
- Credit scoring services
Excludes
- Financial intermediation services
- Legal services related to debt recovery
Foreign ownership
This activity is prohibited for all investors, Vietnamese and foreign alike, under the Law on Investment 2020. There is no route to a business here; Emerhub can map a compliant alternative.
Legal basis: Negative list P8 · Law on Investment 2020 (Law 61/2020/QH14), Art. 6(8)
Your exact activity may fall inside or outside this restriction. Confirm the classification with Emerhub before you rely on it.
Recommended route
No route
The activity is banned for everyone. Emerhub can identify a lawful adjacent activity that meets your objective
Registration path
- 1
IRC
Investment Registration Certificate from the DPI
- 2
ERC
Enterprise Registration Certificate (the company itself)
- 3
Post-licensing
Seal, corporate bank account, tax and e-invoicing
- 4
Sub-licence
Sector permit, if the activity is conditional
Emerhub files each step with the authorities; you provide the documents and information.
Licenses & permits
This is a conditional business line. Alongside the IRC and ERC, it needs the following sector sub-licence or regulatory approval before it can legally operate in Vietnam.
- Sector sub-licence
Credit rating service, approximated by credit bureau activities within class 8291.
Conditional business line under the Law on Investment: foreign investment is generally permitted (often up to 100%) but the activity requires a sector sub-licence or regulatory approval. Legal basis: Law on Investment 2020, Appendix IV (as amended, effective 1 Jul 2026).
- Sector sub-licence
Credit information service = credit bureau activities (class also covers collection agencies).
Conditional business line under the Law on Investment: foreign investment is generally permitted (often up to 100%) but the activity requires a sector sub-licence or regulatory approval. Legal basis: Law on Investment 2020, Appendix IV (as amended, effective 1 Jul 2026).
Emerhub can obtain the sub-licence as part of your company setup.