Credit Score
How Your Credit Profile Influences A Loan Decision
Repayment history, utilisation, enquiries and the age of your credit accounts shape how lenders read your application.
What goes into a credit profile
Credit bureaus build a profile from your repayment history, outstanding balances, credit utilisation, the mix of secured and unsecured credit, and how frequently you apply for new credit.
We do not issue official credit scores. Bureau reports should be obtained directly from an authorised source.
Habits that usually help
Paying every instalment on or before the due date, keeping revolving utilisation comfortably below your limit, and avoiding a cluster of applications in a short window are the practices most commonly associated with a healthier profile.
This article is educational and does not constitute a loan offer or guarantee approval. Actual terms depend on lender policy and applicant assessment.