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How to check your credit score in Singapore, and why lenders care about it.
In Singapore, most banks and financial institutions use data compiled by Credit Bureau Singapore (CBS) to assess loan applications. Your credit report reflects how you've managed borrowing over time — whether repayments were made on time, how much credit you're currently using, and how often you've applied for new credit facilities. A stronger credit profile generally means better approval odds and more competitive rates.
You can request your CBS credit report online through the Credit Bureau Singapore website, authenticating via Singpass, with payment done digitally — reports are typically delivered as a downloadable PDF. Reports can also be requested in person at Credit Bureau Singapore's office, or through selected SingPost branches.
There's usually a standard fee per report, though if you've recently applied for a credit card or loan, you're often entitled to a complimentary copy within 30 days of that application being approved or rejected — worth checking before you pay.
Paying existing bills on time, keeping credit utilisation low, and avoiding multiple new credit applications in a short window are the standard, unglamorous ways to improve a credit profile over time — there's no shortcut. What a stronger score does is widen your options: more lenders willing to consider you, and generally better terms on offer.
Fundwise doesn't set or check your credit score — but understanding where you stand helps us match you with lenders realistically likely to approve your application, rather than wasting time on ones that aren't.
Get in touch if you'd like help understanding what your credit profile means for your next loan application.
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