lol banks have their own scoring system

Owh they aren't the same?

I previously bought reports from CTOS, then these 2 years I changed to Experian (due to cheaper and promos)

I thought they were the same (as in Credit score companies offering credit reports)

No. Experian gives you gamification with the scoring number but different banks will have diff criterias.

Which is why some banks reject while some approve. The scoring by Experian is just a in-house rating of your credit score by Experian.

What banks see is if your payment, total loans, monthly commitment then use those data to input into their own criteria. The number Experian shows you is basically useless

CTOS also offer credit rating but banks are more interested in whether you have any unpaid debts. Their credit score isn't used for evaluating your loan eligibility.

The bank look at your CCRIS (previous 12 months repayment whether there is any payments arrears) and whether there is any CTOS issue like bankruptcy.

i had a drop in score which baffled me.

upon investigating i found that i paid my housing loan before the billing date, hence, i was always captured as one month due.

stupid mistake...

I see.

Thanks for the explanation.

Huhh got such thing....