Professional Documents
Culture Documents
Enhanced Consumer Credit Report: Enquiry Details
Enhanced Consumer Credit Report: Enquiry Details
Enquiry Details
Enquiry Number 997342649
Reference 1RS7182695C_0808G38
Personal Details
Surname
First Name
Second Name
Forenames
Unformatted Name AGRAWAL MANISH
ID Type NRIC
ID Number S7182695C
Gender MALE
Nationality Singapore
Additional Names
Date Loaded Name
Additional Addresses
Date Loaded Address
Previous Enquiries
Date Name of Bank Enquiry Type Product Type Account Type
Bureau Score
The Bureau Score is calculated from an algorithm based on information in your current available credit data and is a fluid number which may change from time to time
in tandem with changes in your credit information.
The Bureau Score or this Credit Report does not draw any conclusions or make credit decisions for financial institutions. The Bureau Score is only one of various
pieces of information used by financial institutions in their credit assessment process. The use of the Bureau Score by a financial institution for credit assessment
is entirely optional. Each financial institution has its own internal credit score and risk profile for each applicant including the applicant's financial and demographic
information. Credit Bureau (Singapore) Pte Ltd is not involved in any way in the credit decision process of the financial institution.
Score 1955
Risk Grade AA
Risk Grade Description Score 1911 - 2000: Prob of Default <= 0.27%
Probability of Default 0.15%
For more details on the description of various risk grades, please refer to the "Credit Report Explanation" section below.
Adverse
No adverse information could be found on the subject.
Page 3 of 4
Other Information
Page 4 of 4
CREDIT REPORT EXPLANATION
DATA PROVIDED
Shows the required input from individuals as well as lenders which are members of CBS, such as financial institutions when obtaining a report. This information is required
for the matching of data held in CBS as well as to track all access to the report.
Information in the credit report is sourced from the following financial institutions :
American Express International Oversea-Chinese Banking Corporation Limited
Bank Negara Indonesia RHB Bank Berhad
Bank of China Standard Chartered Bank
CIMB Bank Berhad Sing Investments and Finance Limited
Citibank Singapore Limited Singapura Finance Limited
Development Bank of Singapore United Overseas Bank
Diners Club Singapore Pte Ltd Bank of East Asia
Hong Leong Finance Industrial and Commercial Bank of China Limited
Hongkong and Shanghai Banking Corporation State Bank of India
Maybank Singapore Limited
SUMMARY
Displays a quick summary of the report by indicating how many previous enquiries have been made as well as how many account status(inclusive of closed accounts),
payment default and bankruptcy information have been loaded on the individual.
A credit limit is the maximum amount of credit that a financial institution will extend to the individual for a particular line of credit. The individual’s total credit limit (categorized
under secured, unsecured and exempted credit limit) will also be displayed. Where more than one credit card is issued by a financial institution to a borrower, some financial
institutions may subject the credit cards to a shared common credit limit (e.g. a single credit limit of $10,000 shared over 4 credit cards) and will report the shared limit to
the credit bureau accordingly. For term loans, the credit limit of a term loan that has yet to be disbursed is generally taken to be the full loan amount. After disbursement,
the credit limit will start to reduce in accordance to the outstanding balances remaining monthly as repayment occurs.
A debt management flag is available to indicate if individual is under a debt management program with Credit Counselling Singapore.
An Identity theft flag is also available to indicate if individual’s identity has been compromised.
For Overdue Balance, the value loaded may include balances that are a variable number of days overdue. If minimum amount is not paid before the due date, overdue
balance will be shown in the credit report. Please note that only values of $200.00 or more will be displayed.
First Row in account status Promptness of monthly cycle payments compared to the respective due dates. The status of the account is indicated
history section of credit report by symbols: A,B,C,D,E,F,*,G,H,R,S,W,M
A Payments were current to 29 days past due
B 30-59 days overdue
C 60-89 days overdue
D 90 days or more past due
E Closed with no outstanding status
F Closed with outstanding status
* Facility not used or zero balance
G Voluntary closure with outstanding / surrender of security with outstanding balance
H Involuntary closure with outstanding / surrender of security with outstanding balance
R Closed, restructured loan
S Closed, negotiated settlement prior to charge off
W Coded as default record by Member
M Account status not available for the particular month
Second Row in account status Cash advance status / Balance transfer indicator (Only applicable to Credit Card facilities)
history section of credit report
Y = Yes Indicates that there is cash advance /balance transfer activity or balance
N = No Indicates that there is no cash advance /balance transfer activity or balance
- Data on cash advance /balance transfer are not available as the credit facility is not in use
Third Row in account status Full Payment status (Only applicable to Credit Card facilities)
history section of credit report
Y = Yes Indicates that full payment has been made for that month
N = No Indicates that full payment was not made for that month
- Data on full payment is not available as the credit facility was not in use
PREVIOUS ENQUIRIES
Contains a record of all enquiries made on the individual’s report. This information will be retained in the report for 2 years from the date of enquiry.
DEFAULT RECORDS
Records of payment default as reported by lenders which are members of CBS. Default records with the status of Negotiated Settlement or Full Settlement will be displayed
for 3 years from status date. For default records with the status of Outstanding, Partial Payment and Sold Off, the records will be displayed indefinitely on the report. The
definition of Negotiated Settlement, Full Settlement, Outstanding, Partial Payment and Sold Off statuses are subjected to individual financial institutions’ classification.
BANKRUPTCY PROCEEDINGS
Displays bankruptcy records sourced from IPTO. This information will be retained in the credit report for 5 years from the date of discharge from bankruptcy. This is
consistent with IPTO’s data retention period.
BUREAU SCORE
The Bureau Score is calculated from an algorithm based on information in your current available credit data and is a fluid number which may change from time to time in
tandem with changes in your credit information. This information is provided by and collated from various sources.
The Bureau Score can range from 1000 – 2000 for risk grades AA – HH. The score is not applicable if the risk grade is, HX, HZ, GX, BX or CX, as explained in the table
below. Score and non-scored risk grades are shown in the table below.
The Bureau Score or this Credit Report does not draw any conclusions or make credit decisions for financial institutions. The Bureau Score is only one of various pieces
of information used by financial institutions in their credit assessment process. The use of the Bureau Score by a financial institution for credit assessment is entirely
optional. Each financial institution has its own internal credit score and risk profile for each applicant including the applicant’s financial and demographic information. Credit
Bureau (Singapore) Pte Ltd is not involved in any way in the credit decision process of the financial institution.
The Bureau Score is meant for use by Members of Credit Bureau (Singapore) Pte Ltd as one of the many factors considered for the purpose of assessing the credit
worthiness of their customers and would not be recommended for any other purposes including, but not limited to, employment checks, employee assessments and
monitoring.
For Non-Scored Risk Grades, score will be indicated as not applicable in the credit report.
OTHER INFORMATION
AGGREGATED OUTSTANDING BALANCES
Outstanding balances are generally computed based on the amounts outstanding under borrowers’ credit cards and credit facilities, including any fees and interest accrued
thereon. Breakdown of aggregated outstanding balances by product type can be found below.
Unsecured Interest Bearing Outstanding Balances Unsecured Non-Interest Bearing Outstanding Balances
Outstanding Balances and Credit Limits of Secured facilities (fully secured by Cash Deposits and/or Fixed Deposits) are not reported to CBS.
Reported credit card outstanding balances are generally based on balances reflected in customers’ statements, rather than month-end balances.
Interest-bearing unsecured balances refer to balances that are subject to interest charges. For example, credit card balances that are not fully repaid by the payment due
date are usually charged interest. Non-interest-bearing unsecured balances are amounts that are not subject to interest. For example, credit card balances that are fully
repaid by their due dates are usually not charged interest.
For Instalment Payment Plan, the full loan amount charged at the point of purchase with the merchant would be included as part of the outstanding balances. The
outstanding balances will be reported every month on a reducing balance when the instalment amount has been paid according to the terms as agreed with the lender.
For personal loans on instalment plans, the full loan amount outstanding, including principal amounts not yet billed, would be included in outstanding balances.
Financial institutions do not have a breakdown of the outstanding balances by Product Types and Grantor Bank and only have an aggregated total balances.
Outstanding balances shown in CBS report do not alter customer’s repayment obligations and borrowers remain subject to the terms and conditions that have been agreed
with their lenders.
The reported Monthly Instalment amounts will only be shown in granular Product Type breakdown (as illustrated) for the most recent reported past month’s (N) data from
the Financial Institution/s; where the retrieval of this CBS report is done after the 15th of each month. If this CBS report is retrieved on/ before the 15th of each month, the
most recent month displayed will be reflected as (N-1) data respectively.
ILLUSTRATION
For example: If consumer obtains the personal credit report on/ before 15th August 2018, the reported Monthly Instalment amounts would be displayed up till the month of
June 2018.
For example: If consumer obtains the personal credit report after 15th August 2018, the reported Monthly Instalment amounts would be displayed up till the month of July
2018.
Monthly Instalment amounts for Joint Accounts are reported as a full instalment amount due for a facility and does not reflect individually pro-rated/ shared amounts for
each joint borrower.
The Aggregated Monthly Instalment amounts reflected does not include the amount for Secured Bridging Loan; with a tenure of six months or less.
Financial Institutions do not have a breakdown of the Monthly Instalments by Product Types and Grantor Bank and only have aggregated total amounts. The Monthly
Instalment Amounts shown in CBS report do not alter borrower’s repayment obligations and borrowers remain subjected to the terms and conditions that have been agreed
with their lenders.
September Unsecured Credit Card Bank A Single .00 0.00 6500.00 0.00
2018
HDB Loan Bank A Joint 2800.00 0.00 0.00 0.00
Executive Condominium Bank B Single 2500.00 0.00 0.00 0.00
Unsecured Personal Bank B Single .00 0.00 1500.00 0.00
Mortgage Restructured Bank C Single 1300.00 0.00 0.00 0.00
Loan
Total 6600.00 0.00 8000.00 0.00
Aggregated Monthly Instalments for Preceding 5 months
August 2018 All All - 6,600.00 0.00 7000.00 0.00
July 2018 All All - 6,600.00 0.00 6000.00 0.00
June 2018 All All - NA NA NA NA
May 2018 All All - NA NA NA NA
April 2018 All All - NA NA NA NA
HOW TO CONTACT US
If you have any queries on your report, you may contact our Hotline 6565 6363, fax your enquiry to 6538 4326 or email to: [email protected] to
seek clarification.