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: how recorded fields can be explained in plain English. The examples are illustrative; AI explanations can contain errors.
Account status and report-level risk grades are different. See CBS’s sample report hosted by HDB for the original structure.
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 recorded the account as a default. The separate closure date records when it closed; neither field confirms that the debt was repaid.
Account status codes describe individual facilities. The Bureau Score and risk grade appear in a separate report-level section.
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 with status A
From the CBS Report
In Plain English
This personal loan was opened in June 2022. No closure date is shown in this example.
Status A means payments were current or less than 30 days late in the recorded cycle.
A status code describes one recorded cycle. It does not certify the account’s entire history or predict a lender’s decision.
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
Read the recorded facts alongside a plain-English explanation, with the original report available to check the details.
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