Sample Report
A worked example, line by line
This is a constructed sample, not a real person's report. It's built to show the kind of translation Credit Clarity produces: what each line on a CBS report says, and what it means in plain English, with nothing added or implied beyond that.
Account 1 of 2
A credit card with a recorded default
From the CBS Report
In Plain English
This was a credit card account, opened in March 2019 and closed in November 2023.
Status W means the lender wrote off the account. It's closed, but the record remains on file; a write-off describes how the lender classified the debt internally, not whether it was repaid.
Risk grade HX reflects a payment history that includes a default. It is a historical grade attached to this specific account, not a live, single overall score.
62 days in arrears means, at the point this was recorded, a payment was overdue by roughly two months.
Account 2 of 2
A personal loan in good standing
From the CBS Report
In Plain English
This is an open personal loan account, opened in June 2022 and still active.
Status A means payments on this account are currently up to date.
Risk grade AA is the highest grade band: it describes an account with no adverse payment history recorded on it, not a prediction about how any future application will be assessed.
Zero days in arrears means no overdue payment was recorded as of this report.
Enquiries
What shows up when someone checks your report
From the CBS Report
In Plain English
Four enquiries were recorded on this report in the past twelve months, most recently in February 2026, tied to a credit card application.
An enquiry is a record that a lender accessed your report, usually because you applied for credit. It does not, by itself, say whether that application was approved or declined.
This is what Credit Clarity does with your own report
Every line explained the same way: what it says, and what it means, with nothing added.
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