Bank agents must be salivating from mouth seeing this score.

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.

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.

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.

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

Yup, banks systems are run by advanced computers and systems. Every cents are take into the count during transactions. Not like uncle auntie shop that do not count 5 cents or 10 cents due to good will

And every mid of month, this bank systems sends reports to BNM (eCCRIS) and other credit report providers like CTOS, Experian.

You got miss payment I think that is why effect score although you did not borrow a lot of credit.

Based on your screenshot shared above it says YES for instalment in arrears.🤔

Better get it checked with CTOS. Maybe they reported inaccurately.