A strong credit score unlocks better loan rates, higher limits, and faster approvals. We help you build, repair, and protect it.
In Singapore, your CBS (Credit Bureau Singapore) score determines your borrowing power. A low score means higher interest rates, lower limits, or outright rejection.
Best rates from all lenders. Maximum loan amounts approved. You're in the driver's seat.
Some lenders may approve you, but at higher rates. Room for improvement to save thousands.
Most banks will decline. But we can help — our credit repair programme is designed exactly for this.
Got a poor credit score? Late payments, defaults, or past bankruptcy records dragging you down? Our credit repair programme systematically fixes the issues holding your score back.
We review your CBS report for inaccuracies, outdated records, and disputable items that may be unfairly lowering your score.
We work directly with banks and creditors to settle outstanding issues, arrange payment plans, and get negative marks removed.
Through strategic credit-building steps, we help you progressively improve your rating over 2–3 months until you qualify for better products.
Your score could go from
Poor
Excellent
Typical improvement timeline: 2 – 3 months
Once your credit is healthy, keep it that way. Our monitoring service tracks your CBS score, alerts you to changes, and helps you maintain a strong financial profile.
Get regular updates on your CBS credit score so you always know where you stand — no surprises when you apply for a loan.
We notify you immediately if there are new enquiries, late payment flags, or unusual activity on your credit file.
Our advisors provide ongoing tips and strategies to keep your score climbing — and catch potential issues before they become problems.
Struggling with debt? Not sure how to manage your finances? Our certified counsellors provide personalised guidance to get you back on solid ground.
We help you create a realistic repayment plan, negotiate with creditors, and consolidate debts to reduce your monthly burden.
Learn to manage your money effectively with personalised budgeting strategies. Track income, expenses, and savings goals with our guidance.
Understand how credit works, what affects your score, and how to make smart financial decisions that protect your future.
CBS (Credit Bureau Singapore) maintains credit reports on all borrowers in Singapore. Your credit score ranges from AA (best) to HH (worst) and is based on your repayment history, outstanding debts, credit utilisation, and length of credit history. Banks and lenders check this score when you apply for any loan or credit facility.
It depends on the severity of the issues on your credit report. Simple corrections like disputing errors can take 2–4 weeks. More complex repairs involving negotiations with creditors and rebuilding payment history typically take 2–3 months. We'll give you a realistic timeline after reviewing your CBS report.
Yes, but your options may be limited and interest rates higher. Banks typically require a minimum CC rating, but licensed moneylenders have more flexible criteria. We recommend repairing your credit first to unlock better terms — but if you need funds urgently, we can still match you with lenders who accept lower credit scores.
Your initial credit assessment is completely free. We'll review your CBS report, identify the issues, and give you a clear action plan. Our credit repair programme fees vary depending on the complexity of your case — we'll provide a transparent quote before any work begins. No hidden charges, ever.
No. When you check your own credit score (a "soft enquiry"), it does not affect your rating. Only "hard enquiries" from banks when you formally apply for credit are recorded. Our credit assessment uses soft checks only, so your score is not impacted.