Its a dumb scoring system for sure. LOW rating means I am not credit worthy, but the banks clearly think otherwise. Why penalise too many credit card applications to such an exaggerated level?



This post has been edited by contestchris: Jan 18 2024, 02:57 PM

That is too big of a number of credit utilization, even if you're technically capable of servicing them. But I'm sure you'll have high chance of getting more debt approved because they'll see your income (maybe 100k a month) and see your existing debt and realize you never miss payments, then will go ahead and approve anyway.

Can, banks will love to give you credits and enslave you with debts if you have proof of income or business owner.

Most fresh grads and those starting career will have this range of scores since not yet have credit cards, house loans, car loans. Maybe only have education loans.

Dafuq. 6 house loans in 12 months?

You submit house loan applications to 6 different financial institutions but at the end only sign up for 1 is it?

This post has been edited by poweredbydiscuz: Jan 18 2024, 03:07 PM

took an half an hour just to login, been meaning to check since I missed a payment January last year because I forgot to schedule the payment, at least this report get for free

This post has been edited by Quantum Geist: Jan 18 2024, 03:23 PM

system refreshed ..good luck on incoming call

that i dunno
I unkle level dee

Oh I see. If for uncle to have this level of score means;

A. Have settled of loans and have less credit applications with financial sector.
B. Use cash or debit to buy things.

Sooner or later CTOS gonna totally dictate your loaning power instead of government CCRIS, good job guys giving info up for 🆓 👍

Not believe can read how FICO, a public company screwed up average American.

mine is 794, down 3 points from last free report. 1 credit card loan and 1 housing loan (7 years left)

3 credit service still running



sad... compare to last year report drop 1 point

The code not work for me , sad
I just bought ctos record 2 weeks ago lol

Yup, that 3 credit service with not much outstanding balance causing the credit score to not reach 850 I think.

score drop a lot because of new car loan + 1 missing payment

damn ..i paid full be4 statement due ..then got outstanding rm0.80 after magic calculation and i didnt go see

become late payment

you sendiri contradict your self

ok la, ada up sikit compare previous score

Drop by how much?

become below average

about 120 points compared to last check at 2021



maybe i am refreshing my credit card + bank offer limit upgrade + 2 new car loan

This post has been edited by fantasy1989: Jan 18 2024, 03:37 PM

Missed payments very lahanat to ctos one...1 missed can drop a few rungs and takes about a year to fully recover...