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Old 05-01-2018, 05:30 PM   #1
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Credit score

So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?
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Old 05-01-2018, 08:02 PM   #2
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Old 05-01-2018, 09:00 PM   #3
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So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?
Score of 1968.
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Old 05-01-2018, 09:04 PM   #4
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and I have 6 CCs.
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Old 05-01-2018, 09:22 PM   #5
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and I have 6 CCs.
Simply perfect!
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Old 05-01-2018, 09:23 PM   #6
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and I have 6 CCs.
mine is consistently at the lower end of teh bar, except the period before home loan application...

it said my credit exposure is moderately high... coz took out too much for investment...
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Old 05-01-2018, 10:38 PM   #7
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Just pulled my report today and it looks like I also have a 2000 score with 12 credit cards.
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Old 05-01-2018, 11:43 PM   #8
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Just pulled my report today and it looks like I also have a 2000 score with 12 credit cards.
After this, I went to carefully count my credit cards, most of them in a mooncake tin.

Goodness! I have 22 active credit cards from 10 banks:
7 DBS (up from 6 due to ANZ taken over),
1 HSBC,
1 BOC (down from 5 in the past 12 months),
2 SCB, 1 overdraft,
2 Maybank, 1 overdraft,
2 UOB, 1 overdraft,
2 ICBC,
2 Citibank (up from 1 in the past 12 months),
2 Amex, and
1 CIMB.

I seriously need to reduce them.

Last edited by edwinttt1978; 06-01-2018 at 12:14 AM.. Reason: 1 more card found
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Old 06-01-2018, 08:07 AM   #9
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So what happened is that my credit report associated with my FIN showed no credit cards (which I have >8) and GX as score. That's because my info was associated with my passport number, not FIN.

Made a call to credit bureau and requested to merge/associate two reports. They sent me the 'real' report afterwards and as expected - AA with score of 1938.

Anyone got more?
More as in higher score or more credit cards?
Don't know if that's something that's worth comparing.

Score of 2000 here.
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Old 06-01-2018, 11:57 AM   #10
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After this, I went to carefully count my credit cards, most of them in a mooncake tin.

Goodness! I have 22 active credit cards from 10 banks:
7 DBS (up from 6 due to ANZ taken over),
1 HSBC,
1 BOC (down from 5 in the past 12 months),
2 SCB, 1 overdraft,
2 Maybank, 1 overdraft,
2 UOB, 1 overdraft,
2 ICBC,
2 Citibank (up from 1 in the past 12 months),
2 Amex, and
1 CIMB.

I seriously need to reduce them.
just curious with so many cards, which do u frequently use?
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Old 06-01-2018, 11:59 AM   #11
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More as in higher score or more credit cards?
Don't know if that's something that's worth comparing.

Score of 2000 here.
max score should be 2k.
But people always believe with more cards u hold, it will pull down your score which is not so good.
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Old 06-01-2018, 01:04 PM   #12
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max score should be 2k.
But people always believe with more cards u hold, it will pull down your score which is not so good.
I believe it's the opposite, the more cards with more banks would mean a higher credit to debt ratio. Which would pull up the score.

Failing to pay on time would be the big downer to the score, people who believe the more cards = lower score are also usually the ones who make min. or late payments often.
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Old 07-01-2018, 10:19 AM   #13
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i got a score of 2000 too even though got hit with some cc late payment fees in the past year (overlooked ) but all were waived
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Old 07-01-2018, 11:07 AM   #14
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i got a score of 2000 too even though got hit with some cc late payment fees in the past year (overlooked ) but all were waived
That's interesting, seems like there's no transparency as to how our credit bureau calculates the scores.
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Old 07-01-2018, 11:44 AM   #15
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That's interesting, seems like there's no transparency as to how our credit bureau calculates the scores.
i suspect the banks don't report late payment immediately...maybe they give chance or buffer of 1-2 months before reporting
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