Stop Guessing What Your Credit Report Means.
Grade letters and status codes with no explanation? Not anymore. Upload your report and get a plain-English breakdown of exactly what lenders see.
Applying for a major loan soon?
Whether you're securing an HDB housing loan, financing an EC, planning a home renovation, or applying for a car loan, banks will pull your CBS history first. Don't walk into a bank blind. Every official loan application creates an "Enquiry" record on your report, and CBS's own reporting methodology can flag a cluster of sudden enquiries as "credit hungry" behavior. Get clarity on your risk grades and status codes before you apply.
3. Enquiries on Your Report
Your report shows 12 enquiries in total. Enquiry records are kept for 2 years from the date of each enquiry.
New Application enquiries (made by lenders; these are included in the Bureau Score calculation):
There are 2 New Application enquiries:
- 5 December 2024, UOB, Unsecured Credit Card
- 12 November 2024, SCB, Unsecured Credit Card
Review enquiries (made by existing lenders; these do not affect the Bureau Score, as stated by CBS):
There are 10 Review enquiries:
- 18 March 2026, SCB
- 19 February 2026, SCB
- [ + 8 older review enquiries hidden for clarity ]
There are no self-enquiries and no Guarantor enquiries in this report.
This is a sample layout mockup, not the final product.
How It Works
Three steps. Nothing kept afterward.
You upload your CBS report
The same PDF Credit Bureau Singapore sends you. Nothing else is required.
We process it, then discard it
Your report is read once to generate your explanation. The file and its contents are not stored afterward. We explain what CBS has recorded; we do not verify or alter the underlying report.
You get a plain-English explanation
Each grade, status code, and record explained in ordinary sentences. No recommendations, no predictions about approval, no score-improvement claims. Just what the terms mean.
Sample Report
What a CBS report says, next to what it means
This is a worked example, not your actual report. It shows the kind of translation Credit Clarity produces once you upload your own.
From the CBS Report
In Plain English
Status W means this account was written off by the lender. It's a closed account, but the record remains on file.
Risk grade HX reflects a payment history with a default. It is a historical grade, not a live score.
62 days in arrears means a payment was overdue by roughly two months at the point this was recorded.
Reference
A short glossary of terms on your report
Every risk grade and status code on a CBS report has a specific, defined meaning. Here are four of the most common ones.
AA: Good Standing
The highest risk grade band. It describes an account with no adverse payment history recorded, not a guarantee about how any lender will assess a future application.
HX: Historical Default
Indicates a past default was recorded on this account. The record stays visible for a defined period under CBS's display rules, even after the account is closed.
Status W: Written Off
The lender has closed the account and recorded it as written off. This is different from the debt being cancelled; it describes how the lender classified the account internally.
Enquiry
A record that a lender accessed your report, usually because you applied for credit. Not every enquiry is treated the same way, and CBS's own documentation explains which types are counted where.
About the Founder
Ten years ago, I needed this and it didn't exist
Credit Clarity was not built by a bank or a credit bureau. It was built by someone sitting at home, staring at a CBS report full of grade letters and status codes, with no explanation anywhere in the document. When he finally asked a banker what it meant, the answer was "It's bad, you need to make payment."
A confused borrower doesn't push back, doesn't ask questions, and accepts worse terms. That gap, between banks who read these reports fluently and everyone else who can't, is why Credit Clarity exists. One report, explained plainly, one at a time.
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