Have you been receiving telemarketing calls lately from people asking if you want to borrow money at low interest rate? If yes, then you probably felt quite annoyed at times. However, the good news is likely because you have good credit worthiness. How do these financial companies assess your credit worthiness? CREDIT BUREAU SINGAPORE (CBS) Do you know that for S$6.42, you can purchase your own credit report using your singpass via electronic payment. Here is the website www.creditbureau.com.sg Your credit report is a record of your credit payment history compiled from different credit providers. CBS will provide credit data to its members (credit providers such as banks etc) to help them to determine whether or not the person applying for credit is a good credit risk. Examples of credit applications includes credit card, motor vehicle loan, housing loan etc. In doing this, lenders can make better lending decisions quickly and objectively. MY 2014 REPORT...