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A reference for reading your CBS report
Each post describes what a specific term on a CBS report means. None of them tell you what to do about it; for that, contact CBS, your lender, or a licensed financial adviser.
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What each CBS risk grade band (AA through HH, and the special codes HX, HZ, GX, BX, CX) means on a report.
Reading Your Account Status Codes
What the letter codes next to each account on your report mean, from A through W and M.
Default Records: How Long Do They Stay?
How CBS's display rules determine how long a default record remains visible on a report.
Enquiries: What Counts and What Doesn't
What an enquiry record on your report represents, and which types are treated differently.
What it means when a report shows a DMP, ID Theft, SFRP, or MSF ComLink+ flag.
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Programmes & Flags
Programmes & Flags: DMP, ID Theft, SFRP, and MSF ComLink+
What it means when a CBS report shows a programme flag like DMP, an ID theft alert, SFRP, or an MSF ComLink+ marker.
Enquiries: What Counts and What Doesn't
Enquiries: What Counts Against Your Report, and What Doesn't
What an enquiry record on a CBS report represents, the difference between enquiry types, and why not every enquiry is treated the same way.
Default Records: How Long Do They Stay?
Default Records: How Long Do They Stay on a CBS Report?
How CBS's display rules determine how long a default record remains visible on a credit report, explained without giving advice on how to remove one.
Reading Your Account Status Codes
Reading Your Account Status Codes: A, B, C, D, and the Rest
What the single-letter status code next to each account on a CBS report means, from A (current) through W (written off).
Risk Grades Explained
Risk Grades Explained: What AA Through HH Actually Mean
A plain-English walkthrough of the CBS risk grade scale, from AA to HH, and what each band describes about an account's payment history.