Enquiries: What Counts Against Your Report, and What Doesn't

Every time a lender accesses your CBS report, usually because you’ve applied for credit, that access can be recorded as an enquiry. Your report shows how many enquiries were made and roughly when, which raises an obvious question: does checking count against you?

What an enquiry actually records

An enquiry entry typically shows the date of access and a general purpose category, such as a credit card or loan application. It’s a record that access happened, generated by the lender making the request, not something CC or the consumer adds after the fact.

Not every enquiry is the same type

CBS distinguishes between different enquiry purposes, and its own documentation sets out which types are used in which contexts. Some enquiries are tied directly to a credit application; others may relate to account reviews or renewals initiated by an existing lender. The report itself, together with CBS’s published documentation, is the definitive source on how a specific enquiry type is categorised.

Why the count is shown at all

The enquiry count exists because a lender reviewing your report may want to see how often your report has been recently accessed. Credit Clarity’s role is limited to explaining what’s shown: how many enquiries appear, when, and what purpose category CBS has attached to each one. It does not tell you how a lender might weigh that information, since that varies by lender and Credit Clarity has no visibility into any individual lender’s internal process.

If you don’t recognise an enquiry

If an enquiry on your report doesn’t match anything you applied for, that’s a question for CBS directly, since they maintain the authoritative record. Contact CBS at 6565 6363 or consumer_services@creditbureau.com.sg to ask about a specific entry.