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Get To Know
The Meaning of Your MySCoRE

0

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

100

Common Causes

Payment Issues

Constant late payments, loan defaults, or bankruptcies.
High Credit Utilization

Nearly maxed-out credit cards or high loan balances.
Limited Credit History

Absence of any meaningful credit history.
Credit Inquiries

Numerous and frequent credit applications.

Common Causes

Payment Issues

Constant late payments or loan defaults.
High Credit Utilization

High credit card balances or maxed-out credit cards.
Limited Credit History

Insufficient credit accounts or short credit history.
Credit Inquiries

Multiple recent credit applications or inquiries.

Common Causes

Late Payments

Occasional late payments or missed payments.
High Credit Utilization

Consistently high balances on credit cards, nearing the credit limit.
Limited Credit History

Few active accounts or a credit history of less than a year.
Credit Inquiries

Some recent credit applications or inquiries.

Common Causes

Late payments

Occasional late payments or missed payments.
High Credit Utilization

Balances on credit cards often exceed 50% of the credit limit.
Limited Credit History

A credit history that is limited but not necessarily brief
Credit Inquiries

Occasional applications for new credit or loans.

Common Causes

Consistent Payments

Mostly on-time payments with a few exceptions.
Moderate Credit Utilization

Credit card balances typically below 50% of the credit limit.
Diverse Credit Mix

A mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage.
Limited Credit Inquiries

Few applications for new credit, demonstrating less risk.

Common Causes

Timely Payments

Consistent on-time payments with rare exceptions.
Low Credit Utilization

Credit card balances are typically well below 30% of the credit limit.
Diverse Credit Mix

A healthy mix of credit types including credit cards, auto loans, and a mortgage.
Limited Credit Inquiries

Rare applications for new credit, showing financial stability.

Common Causes

Consistent On-Time Payments

A long history of payments made on or before due dates.
Very Low Credit Utilization

Credit card balances are consistently below 20% of the credit limit.
Rich Credit Mix

A diverse range of credit types, managed responsibly over a long period.
Minimal Credit Inquiries

Very few applications for new credit, indicating low risk.

Very Poor

Score-range

0-38

Poor

Score-range

39-49

Below Average

Score-range

50-59

Fair

Score-range

60-64

Good

Score-range

65-79

Very Good

Score-range

80-92

Excellent

Score-range

93-100

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Really high interest rates if credit is approved.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

Limited access to favorable terms on any financial products.

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Significantly high interest rates on loans and credit cards.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

Limited options for mortgages, insurance, and rentals.

Possible Effects

Credit Approval Challenges

Moderate difficulty in obtaining new credit.
Higher Interest Rates

Medium to high interest rates on loans and credit cards.
Lower Credit Limits

Credit limits are generally on the lower end.
Limited Financial Opportunities

Limited access to competitive mortgage rates, and insurance premiums may be higher.

Possible Effects

Credit Approval Challenges

Credit limit not on the most favorable terms.
Higher Interest Rates

May face slightly higher-than-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits may be moderate but not high.
Limited Financial Opportunities

Some restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals.

Possible Effects

Easier Credit Approval

Generally easy to obtain new credit, though perhaps not at the best rates.
Moderate Interest Rates

Will likely receive moderate interest rates on loans and credit cards.
Higher Credit Limits

Can expect moderately high credit limits.
Good Financial Opportunities

Access to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals.

Possible Effects

Easier Credit Approval

High likelihood of being approved for new credit on favorable terms.
Lower Interest Rates

Access to competitive interest rates on loans and credit cards.
Higher Credit Limits

Eligibility for higher credit limits due to low risk.
Favorable Financial Opportunities

Good opportunities for favorable mortgage rates and lower insurance premiums.

Possible Effects

Effortless Credit Approval

High chances of getting approved for new credit limit.
Lowest Interest Rates

Access to competitive interest rates on loans and credit cards.
Highest Credit Limits

Access to the highest credit limits offered by financial institutions.
Best Financial Opportunities

Almost unrestricted access to the most favorable terms on mortgages, lowest insurance premiums, and widest range of financial products.

Disclaimer: We do not in any manner warrant the accuracy, completeness or reliability of the contents of the interactive credit scale above and they should not in any manner be used as a definitive guide to your actual credit score or financial standing.

Get To Know
The Meaning of Your MySCoRE

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

0

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

100

Score-range

0-38

Common Causes

Payment Issues

Chronic late payments, loan defaults, or bankruptcies.
High Credit Utilization

Nearly maxed-out credit cards or high loan balances.
Limited Credit History

Absence of any meaningful credit history.
Credit Inquiries

Numerous and frequent credit applications.

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Exorbitant interest rates if credit is approved.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

No access to favorable terms on any financial products.

Score-range

39-49

Common Causes

Payment Issues

Late payments or loan defaults.
High Credit Utilization

High credit card balances or maxed-out credit cards.
Limited Credit History

Insufficient credit accounts or short credit history.
Credit Inquiries

Multiple recent credit applications or inquiries.

Possible Effects

Credit Approval Difficulties

Very hard to get approved for new credit.
Higher Interest Rates

Significantly high interest rates on loans and credit cards.
Lower Credit Limits

Reduced credit limits.
Limited Financial Opportunities

Limited options for mortgages, insurance, and rentals.

Score-range

50-59

Common Causes

Late Payments

Occasional late payments or missed payments.
High Credit Utilization

Consistently high balances on credit cards, nearing the credit limit.
Limited Credit History

Few active accounts or a credit history of less than a year.
Credit Inquiries

Some recent credit applications or inquiries.

Possible Effects

Credit Approval Challenges

Moderate difficulty in obtaining new credit.
Higher Interest Rates

Likely to receive above-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits are generally on the lower end.
Limited Financial Opportunities

Limited access to competitive mortgage rates, and insurance premiums may be higher.

Score-range

60-64

Common Causes

Late Payments

Sporadic late payments, perhaps due to financial distress.
High Credit Utilization

Balances on credit cards often exceed 50% of the credit limit.
Limited Credit History

A credit history that is limited but not necessarily brief.
Credit Inquiries

Occasional applications for new credit or loans.

Possible Effects

Credit Approval Challenges

Can obtain credit but often not on the most favorable terms.
Higher Interest Rates

May face higher-than-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits may be moderate but not high.
Limited Financial Opportunities

Some restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals.

Score-range

65-79

Common Causes

Consistent Payments

Mostly on-time payments with a few exceptions.
Moderate Credit Utilization

Credit card balances typically below 50% of the credit limit.
Diverse Credit Mix

A mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage.
Limited Credit Inquiries

Few applications for new credit, demonstrating less risk.

Possible Effects

Easier Credit Approval

Generally easy to obtain new credit, though perhaps not at the best rates.
Moderate Interest Rates

Will likely receive moderate interest rates on loans and credit cards.
Higher Credit Limits

Can expect moderately high credit limits.
Good Financial Opportunities

Access to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals.

Score-range

80-92

Common Causes

Timely Payments

Consistent on-time payments with rare exceptions.
Low Credit Utilization

Credit card balances are typically well below 30% of the credit limit.
Diverse Credit Mix

A healthy mix of credit types including credit cards, auto loans, and a mortgage.
Limited Credit Inquiries

Rare applications for new credit, showing financial stability.

Possible Effects

Easier Credit Approval

High likelihood of being approved for new credit on favorable terms.
Lower Interest Rates

Access to competitive interest rates on loans and credit cards.
Higher Credit Limits

Eligibility for higher credit limits due to low risk.
Favorable Financial Opportunities

Good opportunities for favorable mortgage rates and lower insurance premiums.

Score-range

93-100

Common Causes

Consistent On-Time Payments

A long history of payments made on or before due dates.
Very Low Credit Utilization

Credit card balances are consistently below 20% of the credit limit.
Rich Credit Mix

A diverse range of credit types, managed responsibly over a long period.
Minimal Credit Inquiries

Very few applications for new credit, indicating low risk.

Possible Effects

Effortless Credit Approval

Almost guaranteed approval for new credit at the best possible terms.
Lowest Interest Rates

Qualification for the lowest interest rates available.
Highest Credit Limits

Access to the highest credit limits offered by financial institutions.
Best Financial Opportunities

Almost unrestricted access to the most favorable terms on mortgages, lowest insurance premiums, and widest range of financial products.

The Importance of
Knowing Your Credit Score

Understanding your credit score is paramount in today’s financial landscape. It serves as a crucial indicator of your financial health, influencing your access to loans, interest rates, and various opportunities.

A group of youths standing in the hallway holding their credit reports
To apply for financial services

Credit scores play a vital role in determining loan or credit card approval, as well as the interest rates and terms offered. A positive credit score signals to credit providers that you are a responsible borrower and more likely to repay your debts on time.

To get better interest rates

A good credit score can help you secure lower interest rates on loans and credit cards, empowering your financial future by reducing interest payments.

Evaluate their financial health or buy a home

Many landlords, property managers, and mortgage credit providers conduct credit checks on prospective tenants to evaluate their financial responsibility. A good credit score can facilitate the process of obtaining a lease or mortgage and may even lead to lower security deposits.

To apply for a job

Many employers conduct credit checks as part of the hiring process, especially for roles involving financial responsibility. A good credit score may distinguish you as a responsible candidate.

To monitor your financial health

Being aware of your credit score can provide insights into your financial status and highlight areas for improvement. Additionally, it enables you to identify potential fraud or errors in your credit report.

Our proprietary Business / Company Credit Score with its unique probability of default indicator and key influencing factors, is a generic model that able to predict the probability of default and provide credit score for Business / Company.

A group of business people discuss their credit report and credit score
For Supplier Relationships

Building strong relationships with suppliers is crucial for businesses. Many suppliers offer credit terms to their customers, allowing them to pay for goods or services over a specific period. A good credit score empowers you to negotiate favorable payment terms with suppliers, such as extended payment periods or discounts for early payments. Enhance your cash flow and maintain a healthy working relationship with your suppliers.

For Lower Insurance Premiums

Insurance companies may consider your credit score when determining your premiums. A positive credit score can result in lower insurance premiums for your business, saving you money on insurance costs.

For Business Partnerships

Collaboration and partnerships play a vital role in the success of many Business / Company. When seeking strategic alliances or partnerships with other businesses, your creditworthiness can be a determining factor. A strong credit score demonstrates financial reliability, making potential partners more confident in your ability to fulfill your obligations.

For Leasing or Equipment Financing

If your business requires equipment or machinery for its operations, leasing or equipment financing can be an attractive option. Credit providers offering these services often assess your creditworthiness. A good credit score increases your chances of approval and may result in more favorable terms and conditions for leasing agreements or equipment financing.

For Maintaining Business Reputation

Maintaining a good credit score reflects positively on your business reputation. It demonstrates that you are financially responsible and can be relied upon to meet your financial obligations. This can enhance your credibility in the business community, leading to more opportunities and increased trust from stakeholders.

How We Can Assist You

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Expert Assistance for
Credit-Aware Malaysians

Credit Bureau Malaysia Sdn Bhd (CBM) provides credit information
and data to maintain and enhance your credit profile.

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Establishing Credit for Individuals
with Limited or No Credit History

No credit history? Credit Bureau Malaysia Sdn Bhd (CBM) can guide you
in building credit for endless financial possibilities.

5 stars rating

Credit Solutions for Financial Institutions
Offering Credit Facilities

Stand out with superior financing options and rates
when partnering with Credit Bureau Malaysia Sdn Bhd (CBM).

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Financial Empowerment for Business / Company in Malaysia

Prioritise credit building and enhance your credit score
for increased business credit awareness.

How We Can Assist You

Ideal Reports, Simplified

Select the perfect plan that aligns with your financial goals and aspirations. We offer a variety of plans tailored to suit your specific needs, whether you’re an individual looking to monitor your credit score or a business aiming to access comprehensive financial data.

INDIVIDUAL

MySCoRE

For individuals who want to assess their financial health.

RM18

*Total price after SST is RM19.44

Get Started

What You’ll Get
  • Individual Credit Score
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MySCoRE
Credit Report sample here.

BUSINESS

MyBizSCoRE

For entrepreneurs who want to identify potential risks and take steps to mitigate them.

RM30

*Total price after SST is RM32.40

Get Started

What You’ll Get
  • Business / Company Credit Score
  • SSM Registry & up to 5 Years of Financial Statement
  • Shareholding/Directorship
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MyBizSCoRE
Credit Report sample here.

Ideal Reports, Simplified

Select the perfect plan that aligns with your financial goals and aspirations. We offer a variety of plans tailored to suit your specific needs, whether you’re an individual looking to monitor your credit score or a business aiming to access comprehensive financial data.

INDIVIDUAL

MySCoRE

For individuals who want to assess their financial health.

RM18

*Total price after SST is RM19.44

Get Started

What You’ll Get
  • Individual Credit Score
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MySCoRE
Credit Report sample here.

BUSINESS

MyBizSCoRE

For entrepreneurs who want to identify potential risks and take steps to mitigate them.

RM30

*Total price after SST is RM32.40

Get Started

What You’ll Get
  • Business / Company Credit Score
  • SSM Registry & up to 5 Years of Financial Statement
  • Shareholding/Directorship
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MyBizSCoRE
Credit Report sample here.

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Prepare Yourself For
A Better Financial Future

Ready to take the first step towards financial empowerment? Inquire with us today and discover how our credit score services can benefit you. Our dedicated team of experts is here to answer your questions, provide personalized guidance, and help you make before making more informed decisions about your financial future.

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