1. Paid on or before due date ?

CRA is established to force the people to borrow more and owe more to financial services

credit card utilisation will affect your score too

Pay before due date will still count your utilisation. If pay before STATEMENT DATE, then i think dont count.

Every bank have different criteria one , as long no hutang should be fine. Pre covid apply cc with CIMB online kena reject , walk in CIMB 1h approval one at klcc walk away with 90k limit padahal my financial profile is still the same je.

Is it a purchased report? Probably just to make you want to purchase the next report.

Difficult to say what exactly caused your credit rating to worsen as each CRA has their own internal models to assign ratings and what gets taken into account from one model to another can vary greatly. That said, credit ratings are "adjusted" from time-to-time based on economic cycles, so it is possible that your rating may have degraded to reflect a higher risk profile given the current pandemic scenario.

CTOS?

Spend more and pay on time will help.
If using too little credit also no good to your score coz not enough record.

why worry about credit score ? banks don't even use it

That's right. Banks use CTOS and CCRIS.

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

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...