Category Archives: Credit Report

How Do Balance Transfers Affect Your Credit Score?

A balance transfer shifts your existing loan on one credit card, to an interest-free credit card. This will give you enough time to settle outstanding debts without incurring interest. While we can’t write a book on this topic, we can tell you what you need to know about it, including how it affects your credit score!

5 Practical Ways to Improve Your Credit Score

Do you know what your credit score is? Oh no, is it low? A low credit score can ruin your chances of getting a loan or a credit card. So it is very important to know how to improve your credit score. Read on to learn the most practical ways to improve your credit score.

5 Myths about credit scores – BUSTED!

Singapore is one of the few countries in the world which is moving towards a “Cashless Economy”. Now, achieving this goal would mean making a number of different payment modes available to residents. Credit cards are perhaps the mainstay for most Singaporeans and a credit score is no more a luxury, but a necessity in these… Read More »

How do I correct information in my credit report?

We all know how important a credit report or credit score is. It is the credit report or credit score of an individual that the lender looks into to determine the creditworthiness of an individual. The information present on your credit report can decide your ability to get a loan or credit card in the… Read More »

Trade That Bowl of Bak Kut Teh for a Credit Report!

No matter how much we earn, it’s never enough. Well, it can also be due to the fact that we spend a quarter of our salary on food, clothes, rent and internet. Fine, we’ll be honest, we spend most of it on food. But how can we not when every time we pass by the… Read More »

Ouch! What’s hurting my credit score?

Have you ever been in a situation where you did everything right but still ended up getting hurt? No, we are not talking about your heartache from your breakup. Imagine a situation where you’ve been eating healthy but still fall sick, catching you by surprise. The same holds true for your CBS credit report! You… Read More »

Don’t let a bad credit score destroy your dream home!

Everyone dreams of owning a house someday, maybe a penthouse overlooking the city skyline or a villa just outside of the city. Unless you are Wee Cho Yaw, you cannot get your dream home without a loan. Your eligibility for a home loan depends on a lot of factors including your income, age and credit… Read More »

Does your credit report confuse you? Let’s see if we can simplify it!

Many of us would have heard of the three Cs – Credit Report, Credit Score and Credit Bureau Singapore. But how many of you actually know the structure and components of a credit report? While you probably won’t find it necessary to know the details, we assure you that this will come in handy when you’re checking… Read More »

How to crawl out of a bad credit report?

Imagine a cold winter morning, the heater is on, you’ve wrapped yourself in your favourite comforter, deep in sleep and your alarm goes off! Now we can’t guarantee that you will be able to crawl out of bed but we can definitely guarantee a way (or several) to crawl out of a bad credit report… Read More »

Forget the 3 R’s! What you need are the three C’s – Credit score, Credit report and Credit Bureau!

Have you ever applied for a loan or credit card and got rejected despite fulfilling the eligibility criteria? Instances like this can be quite shocking to someone who is unaware of credit reports and credit scores. It is possible for Singaporeans to not know about credit scores and credit report despite living in one of… Read More »

Credit score lies you should not believe

“Lies are temporary solutions to permanent problems”, we’ve heard this a thousand times but still fall prey to lies every day. We don’t blame you, it’s hard to uncover lies when it’s disguised as facts. That’s what happens with Credit Scores. Over time, people have come to believe some “facts” about credit scores that are… Read More »

Now Get Your Credit Report For Free in Singapore

Are you aware of your credit score? Have you ever checked your credit report? In order to understand your credit worthiness, you need to check your credit report from time to time. However, 90 percent of credit applicants in the country have never seen their credit reports as per Credit Bureau Singapore (CBS). Fortunately, the… Read More »