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Old 13-05-2016, 04:31 PM   #14
Lagu88
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Join Date: Jan 2016
Posts: 52
In your report, there is a part called Key Contributing Factors associated with this Rating, can share with us?

Also the adverse part if there is any
For HH Grade (13 May 2016, 13 cards registration from 31 Mar to 12 May):

Bureau Score
Key Contributing Factors associated with this Rating
- Not Enough Clean History Marginally Increases Risk
- Credit Exposure Moderately Increases Risk
- Too Many Enquiries Marginally Increases Risk
- Delinquency Presence Greatly Increases Risk

Adverse
- No adverse information could be found on the subject.


For EE Grade (13 April 2016, 7 cards registration, 31 Mar to 12 April)

Key Contributing Factors associated with this Rating
- Not Enough Clean History Marginally Increases Risk
- Delinquency Presence Greatly Increases Risk
- Too Many Enquiries Marginally Increases Risk
- Immature Credit History Marginally Increases Risk

Adverse
- No adverse information could be found on the subject.

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This one counted (-2.07)? I oso doubt this one...

Aggregate Outstanding Balances
February 2016 Unsecured CC CIMB 0.00 0.00 -2.07 0.00
Unsecured CC DINERS CLUB 0.00 0.00 0.00 0.00
Total 0.00 0.00 -2.07 0.00

So, I go pay AXS for 2.07 (no CIMB bank account) in April, AXS say must pay min $5, so now CIMB bank owe me -2.93 (:p), still hv nt updated in report leh.

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So (13 - 7) cards = 6 cards
EE - HH ~= 4 bands
6/4 = 1.5. so apply 1.5 (aka 2 cards) will drop 1 band from EE grades.

So, est if I did not apply 7 cards, my grade should up 7 / 1.5 ~= 4 bands up. Assuming it is harder to drop from grades above EE, lets make it 3 band.

So my initial grade shld be ard BB or CC.

Dunno hw long will bounce back leh.
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Last edited by Lagu88; 13-05-2016 at 04:41 PM..
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