Where do i get my credit report

Your credit score is calculated from the information found in your credit report. See the factors influencing your FICO® Score, including payment history, amount of debt, credit history length, amount of new credit, and credit mix.

You can request all three reports at once or you can order one report at a time. By requesting the reports separately (for example, one every four months) you can monitor your credit report throughout the year. Once you’ve received your annual free credit report, you can still request additional reports. By law, a credit reporting company can charge no more than $13.50 for a credit report.

You are also eligible for reports from specialty consumer reporting companies. We put together a list of several of these companies so you can see which ones might be important to you. You have to request the reports individually from each of these companies. Many of the companies in this list will provide a report for free every 12 months. Other companies may charge you a fee for your report.

You can get additional free reports if any of the following apply to you:

• You received a notice that you were denied credit, insurance, or employment or experienced another “adverse action” based on a credit report, you have a right to a free report from the credit reporting company identified in the notice. To get the free report you must request it within 60 days after you receive the notice. Other types of “adverse action” notices you might receive include notice of an unfavorable change in the terms or amount of your credit or insurance coverage, or unfavorable changes in the terms of your employment or of a license or other government benefit.
• You believe your file is inaccurate due to fraud.
• You have requested a credit report from a nationwide credit reporting company in connection with the placing of an initial fraud alert (you may request two free copies for an extended fraud alert).
• You are unemployed and intend to apply for employment within 60 days from the date of your request.
• You are a recipient of public welfare assistance.
• Your state law provides for a free credit report.

Tip: Be cautious of websites that claim to offer free credit reports. Some of these websites will only give you a free report if you buy other products or services. Other websites give you a free report and then bill you for services you have to cancel. To get the free credit report authorized by law, go to AnnualCreditReport.com  or call (877) 322-8228.

A. Not all your personal profile data held by your bank is reported to the Bureau. Only your basic personal profile data such as name, gender, nationality, ID, occupation, date of birth and postal code (without your full address and contact numbers) may be provided to Credit Bureau (Singapore). These are required for matching data from various sources to the correct individuals. Banks also use them to conduct data verification in their credit-worthiness assessment process. Such basic personal profile data is in the credit report that members of Credit Bureau (Singapore) can access for the purpose of credit-worthiness assessment only. As an added data privacy safeguard measure, Credit Bureau (Singapore) has subscribed to the CaseTrust Accreditation Scheme and has subjected its system and procedures to assessment by CaseTrust. Data privacy protection is one of the principles that CaseTrust requires its members to adhere to.

A. CBS Score is developed jointly with TransUnion using advanced modeling and analytics by an experienced global team of TransUnion analysts. The score utilizes Singapore's full market upload from retail banks on consumers' credit information and local characteristics to ensure its viability and application in the market place.

TransUnion has its business in fraud prevention and managing risks. For more than 30 years, TransUnion has been a leading provider of essential business intelligence services, including: consumer data, targeted marketing, analytical models and decisioning tools. They have helped companies create more financial opportunities by providing information services. To date, TransUnion maintains one of the world's largest databases of consumer credit information, providing value-added intelligence solutions to leading businesses around the globe.

If you had applied for multiple credit applications with different banks/FIs, you will receive multiple approval or rejection letters from the respective banks/FIs bearing different or same approval or rejection dates.

Free credit report is considered fully redeemed upon a request that is made based on the latest date of approval or rejection letter. This is in the event that no other free credit report request was made prior to the last free credit report request.

Where can I get a full report of my credit?

What is the best site to get a free credit report?