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FREQUENTLY ASKED QUESTIONS


HAVE A QUESTION?

CREDIT BUREAU

What is a credit bureau?


What is the role of a credit bureau?


Under what circumstances are credit bureau checks on me conducted?


CONSUMER CREDIT REPORT
What is a Consumer Credit Report?


Who are the contributing members of Experian Bank Bureau?


Why do you need a Consumer Credit Report (Credit Report Benefits)?


Are these reports only applicable to Singaporeans/PRs?


How do I purchase a Consumer Credit Report?


How are Consumer Credit Reports used?


How do I improve my Credit Standing?


How often is Experian Bank Bureau’s database updated?


How do I give feedback regarding the contents of my Consumer Credit Report?


How will Experian Bank Bureau investigate any flagged inaccuracies in my Consumer Credit Report?


Do I need to pay for the redress of inaccurate information?


How long will it take to rectify my Consumer Credit Report?


Why is the credit bureau giving free credit report?


Who is eligible to obtain a free credit report from Experian Bank Bureau?


Where can consumer get the free credit report?


Where can foreign consumer (without a SingPass) get a free credit report?


How much does a Consumer Credit Report cost?


How much does a Consumer Credit Report cost?


READING MY CONSUMER CREDIT REPORT

Why is my credit report showing my Outstanding Balance and Credit Limit across different facilities?


How are a borrower’s aggregate credit limits and outstanding balances computed?


What are “Unsecured Facilities with Interest Bearing”?


What are “Unsecured Facilities with Non-Interest Bearing”?


What are “Secured Facilities”?


What are “Exempted Facilities”?


What does “60” and “90” mean?


Which facilities are categorized as Secured Others under the monthly instalments?


Which facilities are categorized as Secured Property under the monthly instalments?


Which facilities are categorized as Unsecured under the monthly instalments?


Which facilities are categorized as Unsecured Exempted under the monthly instalments?


How are the monthly instalments information being reflected?


Will bank sees my monthly instalments information?


CONSUMER CREDIT REPORT – CREDIT SCORE

What is the Delphi Score?


What is a credit score?


What information goes into generating the Delphi Score?


How does a credit score help me to understand my financial health?


How do I interpret the Delphi Score?


Why don’t I have a credit score?


How does a credit score help my lenders in the borrowing process?


Is the Delphi Score the only determinant in deciding the loan application?


Who decides if I get a loan?


Does my Delphi Score change?


How can I improve my Delphi Score?


Does having too many credit cards affect my Delphi Score?


Can my Delphi Score be wrong?


Where can I get a copy of my Delphi Score?


Who should I contact if I have questions on the Delphi Score?


CONSUMER CREDIT REPORT – BANKRUPTCY INFORMATION
What are the sources of bankruptcy records in my Credit Report?


My bankruptcy was discharged but still reflected in my Credit Report. What should I do?


PRIVACY AND SECURITY ISSUES

What is CaseTrust Gold?


What is TrustSg?