eh.. u can just enter someone ic to generate report?

lol RIP if true

Bank agents must be salivating from mouth seeing this score.

Don't let them know

Cannot load website

lol, website dieded is it

Where got. Last year I asked for additional 10k increase in credit for my cc. Kena reject. My credit score excellent

They getting heavy traffic, but if you sit and wait it'll load eventually. Took me total of close to 5 mins end to end.

Maybe your limit already high for your income?

Yeah. 😅😅 But I was testing water. Total 45k limit

This post has been edited by Avangelice: Jan 18 2024, 02:36 PM

my score also excellent. but why i feel so poor?

How so good? Mine in poor category padahal Maybank and PBB both giving me 3.85% for housing loan and I've never missed a single payment deadline.

I have 7 approved credit card applications, 6 approved housing loan applications and 2 approved credit limit increases in the past 12 months!

This post has been edited by contestchris: Jan 18 2024, 02:40 PM

their algorithm went wonkers?

Maybe record too clean, banks like people that are in lite to moderate in debt. So they can profit off via interest.

Banks do not like people that settle off loans fast. This type of people banks categorise them into less profit group and put different internal scoring.

Type in your IC number, banks staffs knows all about your financial. But before do this step, they will ask you sign a document which authorises them to see your financial records.

Basically how the score works ; the more you are in debt, the less the score.

If your records are too clean or have settled of all the loans the higher the score.

Yeah I use my cc alot but always settle it 100%. U may be right

Done ty

Bro if I remember correctly the more cc applications you apply and loans (don't talk about approval) the less your credit score is.

You have like 15 credit enquiries in the last 12 months lol. It means you're applying for too much debt hence the low credit score. Banks can still approve you though

https://www.quora.com/What-happens-if-you-h...r-credit-report