I previously mentioned that i have changed job recently and was asked by my PA to submit a credit report on myself to the authorities . . . ???? . . . wouldn't the authorities already have access to them already . . . ??? Anyway... what is this credit report? Well... it is your credit profile with the banks here and in the report, you will be given a credit score that shows your potential "default rate". ???? And the factors affecting your credit profile are as follows: Looking at my own credit report, i realised the banks have been diligently uploading all my credit card, loans, stocks margin account repayment records onto the system . . . and the banks which i have applied credit cards for, have also been diligently assessing those reports as well. So what is Mr. IPO's credit rating .... ?? Mr. IPO's score is 1975, enough to get a AA rating, better than most sovereign's debt ......