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Your Credit Report
What's a credit report, you say? Credit history or credit report is, in many countries, a record of an individual's or company's past borrowing and repaying, including information about late payments and bankruptcy." - Taken from Credit History from Wikipedia. For more information, click here.'Where do I obtain my report?You can conveniently purchase the report online, by singpost or head straight down to the office to purchase your credit report at a fee of SGD$5.Why would I want to spend 5 bucks for a piece of paper, you say?Well, it is money well-spent, your credit report shows how well you manage your credit. It tells lenders a rough picture of your credit payment habits and the probability of you defaulting on your loans. It is useful especially if you wonder why you could not get a loan from your bank.A good credit history will allow you to obtain loans of a higher amount or better interest rates. If credit determines our credit score, lessening our credit does not necessarily mean that our credit sco
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