Last time I spoken to my Uncle he is still indeed one of the Branch Manager in one of the Central Bank so if you wish to find out yourself go to Central Bank and ask how many Central banks are there! Central means it leads most of the bank in the Philippines not just 1 branch of Central bank!
Unless your brother-in-law has the highest position in Central Bank then you can bring him to this site to prove what he is saying! and if ever I convince my extremely busy Uncle find a time, I may get him to testify here that this credit rating systems does exist alright?
Central Bank Branches:
The BSP Main Complex - The BSP Main Complex in Manila houses the offices of the Governor, the Monetary Board and the different operating departments/ offices. The Complex has several buildings, namely: 5-Storey building, Multi-storey building, the EDPC building and the BSP Money Museum, which showcases the Bank's collection of currencies.
The BSP Security Plant Complex - The Security Plant Complex which is located in Quezon City houses a banknote printing plant, a securities printing plant, a mint and a gold refinery. The banknote printing plant and the mint take care of producing currency notes and coins, respectively.
The BSP Regional Offices and Branches - The BSP has three regional offices performing cash operations, cash administration, loans and rediscounting, bank supervision and gold buying operations. These regional offices are located in La Union, Cebu City and Davao City.
There are also 18 BSP branches situated in Batac (Ilocos Norte), Tuguegarao City (Cagayan), Dagupan City (Pangasinan), Cabanatuan City (Nueva Ecija), Angeles City (Pampanga), Lucena City (Quezon), Naga City (Camarines Sur), Legazpi City (Albay), Dumaguete City (Negros Oriental), Bacolod City (Negros Occidental), Iloilo City (Iloilo), Kalibo (Aklan), Tacloban City (Leyte), Cagayan de Oro City (Misamis Oriental), Ozamiz City (Misamis Occidental), Cotabato City, General Santos City (South Cotabato) and Zamboanga City (Zamboanga del Sur). They perform cash operations, cash administration, and in certain areas, gold buying operations.