Questions people ask about Credit Clarity

You upload the CBS credit report PDF you already have, and Credit Clarity explains what each part of it means in plain English: risk grades, account status codes, default records, and enquiries. It describes what the report says. It does not advise you on what to do about it.

No. Credit Clarity is an independent service. It is not affiliated with, endorsed by, or acting on behalf of Credit Bureau (Singapore) Pte Ltd, the Monetary Authority of Singapore, or any bank. CBS is the sole authoritative source for the content of your credit report.

No. Credit Clarity is not licensed, registered, or regulated by the Monetary Authority of Singapore (MAS) as a financial adviser or financial institution. If you need financial advice, consult a MAS-licensed financial adviser or a recognised non-profit such as Credit Counselling Singapore (CCS).

Your report is read once to generate your explanation, then discarded. The file and its contents are not stored afterward. See How It Works for the full process.

No. Nothing Credit Clarity produces predicts, implies, or guarantees any outcome, including loan approval, credit score change, or a lender's decision. Explanations describe what the report currently says, not what will happen next.

Not in this version. Dual-report comparison is planned as a future paid tier and is not part of the current product.

Use the Feedback page to leave a comment, a suggestion, or a question. Name and email are both optional, but if you leave an email and ask for help, we'll reply. We don't share your details with anyone.

For questions about your report, contact CBS directly at 6565 6363 or consumer_services@creditbureau.com.sg. For questions about a specific account, contact your lender directly.

Yes, explanations are produced by an AI system based on rules published by CBS and the content of the report you upload. While we aim for accuracy, AI-generated output can contain errors, and we do not independently verify the data CBS has recorded about you.