0
Very Poor
Poor
Below Average
Fair
Good
Very Good
Excellent
100
Payment IssuesConstant late payments, loan defaults, or bankruptcies. |
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High Credit UtilizationNearly maxed-out credit cards or high loan balances. |
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Limited Credit HistoryAbsence of any meaningful credit history. |
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Credit InquiriesNumerous and frequent credit applications. |
Payment IssuesConstant late payments or loan defaults. |
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High Credit UtilizationHigh credit card balances or maxed-out credit cards. |
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Limited Credit HistoryInsufficient credit accounts or short credit history. |
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Credit InquiriesMultiple recent credit applications or inquiries. |
Late PaymentsOccasional late payments or missed payments. |
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High Credit UtilizationConsistently high balances on credit cards, nearing the credit limit. |
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Limited Credit HistoryFew active accounts or a credit history of less than a year. |
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Credit InquiriesSome recent credit applications or inquiries. |
Late paymentsOccasional late payments or missed payments. |
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High Credit UtilizationBalances on credit cards often exceed 50% of the credit limit. |
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Limited Credit HistoryA credit history that is limited but not necessarily brief |
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Credit InquiriesOccasional applications for new credit or loans. |
Consistent PaymentsMostly on-time payments with a few exceptions. |
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Moderate Credit UtilizationCredit card balances typically below 50% of the credit limit. |
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Diverse Credit MixA mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage. |
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Limited Credit InquiriesFew applications for new credit, demonstrating less risk. |
Timely PaymentsConsistent on-time payments with rare exceptions. |
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Low Credit UtilizationCredit card balances are typically well below 30% of the credit limit. |
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Diverse Credit MixA healthy mix of credit types including credit cards, auto loans, and a mortgage. |
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Limited Credit InquiriesRare applications for new credit, showing financial stability. |
Consistent On-Time PaymentsA long history of payments made on or before due dates. |
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Very Low Credit UtilizationCredit card balances are consistently below 20% of the credit limit. |
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Rich Credit MixA diverse range of credit types, managed responsibly over a long period. |
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Minimal Credit InquiriesVery few applications for new credit, indicating low risk. |
Score-range
Score-range
Score-range
Score-range
Score-range
Score-range
Score-range
Credit Approval DifficultiesVery high difficulty of getting approved for new credit. |
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Higher Interest RatesReally high interest rates if credit is approved. |
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Lower Credit LimitsExtremely low credit limits. |
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Limited Financial OpportunitiesLimited access to favorable terms on any financial products. |
Credit Approval DifficultiesVery high difficulty of getting approved for new credit. |
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Higher Interest RatesSignificantly high interest rates on loans and credit cards. |
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Lower Credit LimitsExtremely low credit limits. |
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Limited Financial OpportunitiesLimited options for mortgages, insurance, and rentals. |
Credit Approval ChallengesModerate difficulty in obtaining new credit. |
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Higher Interest RatesMedium to high interest rates on loans and credit cards. |
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Lower Credit LimitsCredit limits are generally on the lower end. |
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Limited Financial OpportunitiesLimited access to competitive mortgage rates, and insurance premiums may be higher. |
Credit Approval ChallengesCredit limit not on the most favorable terms. |
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Higher Interest RatesMay face slightly higher-than-average interest rates on loans and credit cards. |
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Lower Credit LimitsCredit limits may be moderate but not high. |
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Limited Financial OpportunitiesSome restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals. |
Easier Credit ApprovalGenerally easy to obtain new credit, though perhaps not at the best rates. |
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Moderate Interest RatesWill likely receive moderate interest rates on loans and credit cards. |
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Higher Credit LimitsCan expect moderately high credit limits. |
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Good Financial OpportunitiesAccess to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals. |
Easier Credit ApprovalHigh likelihood of being approved for new credit on favorable terms. |
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Lower Interest RatesAccess to competitive interest rates on loans and credit cards. |
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Higher Credit LimitsEligibility for higher credit limits due to low risk. |
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Favorable Financial OpportunitiesGood opportunities for favorable mortgage rates and lower insurance premiums. |
Effortless Credit ApprovalHigh chances of getting approved for new credit limit. |
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Lowest Interest RatesAccess to competitive interest rates on loans and credit cards. |
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Highest Credit LimitsAccess to the highest credit limits offered by financial institutions. |
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Best Financial OpportunitiesAlmost unrestricted access to the most favorable terms on mortgages, lowest insurance premiums, and widest range of financial products. |
Disclaimer: We do not in any manner warrant the accuracy, completeness or reliability of the contents of the interactive credit scale above and they should not in any manner be used as a definitive guide to your actual credit score or financial standing.
0
Very Poor
Poor
Below Average
Fair
Good
Very Good
Excellent
100
Score-range
Payment IssuesChronic late payments, loan defaults, or bankruptcies. |
|
High Credit UtilizationNearly maxed-out credit cards or high loan balances. |
|
Limited Credit HistoryAbsence of any meaningful credit history. |
|
Credit InquiriesNumerous and frequent credit applications. |
Credit Approval DifficultiesVery high difficulty of getting approved for new credit. |
|
Higher Interest RatesExorbitant interest rates if credit is approved. |
|
Lower Credit LimitsExtremely low credit limits. |
|
Limited Financial OpportunitiesNo access to favorable terms on any financial products. |
Score-range
Payment IssuesLate payments or loan defaults. |
|
High Credit UtilizationHigh credit card balances or maxed-out credit cards. |
|
Limited Credit HistoryInsufficient credit accounts or short credit history. |
|
Credit InquiriesMultiple recent credit applications or inquiries. |
Credit Approval DifficultiesVery hard to get approved for new credit. |
|
Higher Interest RatesSignificantly high interest rates on loans and credit cards. |
|
Lower Credit LimitsReduced credit limits. |
|
Limited Financial OpportunitiesLimited options for mortgages, insurance, and rentals. |
Score-range
Late PaymentsOccasional late payments or missed payments. |
|
High Credit UtilizationConsistently high balances on credit cards, nearing the credit limit. |
|
Limited Credit HistoryFew active accounts or a credit history of less than a year. |
|
Credit InquiriesSome recent credit applications or inquiries. |
Credit Approval ChallengesModerate difficulty in obtaining new credit. |
|
Higher Interest RatesLikely to receive above-average interest rates on loans and credit cards. |
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Lower Credit LimitsCredit limits are generally on the lower end. |
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Limited Financial OpportunitiesLimited access to competitive mortgage rates, and insurance premiums may be higher. |
Score-range
Late PaymentsSporadic late payments, perhaps due to financial distress. |
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High Credit UtilizationBalances on credit cards often exceed 50% of the credit limit. |
|
Limited Credit HistoryA credit history that is limited but not necessarily brief. |
|
Credit InquiriesOccasional applications for new credit or loans. |
Credit Approval ChallengesCan obtain credit but often not on the most favorable terms. |
|
Higher Interest RatesMay face higher-than-average interest rates on loans and credit cards. |
|
Lower Credit LimitsCredit limits may be moderate but not high. |
|
Limited Financial OpportunitiesSome restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals. |
Score-range
Consistent PaymentsMostly on-time payments with a few exceptions. |
|
Moderate Credit UtilizationCredit card balances typically below 50% of the credit limit. |
|
Diverse Credit MixA mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage. |
|
Limited Credit InquiriesFew applications for new credit, demonstrating less risk. |
Easier Credit ApprovalGenerally easy to obtain new credit, though perhaps not at the best rates. |
|
Moderate Interest RatesWill likely receive moderate interest rates on loans and credit cards. |
|
Higher Credit LimitsCan expect moderately high credit limits. |
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Good Financial OpportunitiesAccess to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals. |
Score-range
Timely PaymentsConsistent on-time payments with rare exceptions. |
|
Low Credit UtilizationCredit card balances are typically well below 30% of the credit limit. |
|
Diverse Credit MixA healthy mix of credit types including credit cards, auto loans, and a mortgage. |
|
Limited Credit InquiriesRare applications for new credit, showing financial stability. |
Easier Credit ApprovalHigh likelihood of being approved for new credit on favorable terms. |
|
Lower Interest RatesAccess to competitive interest rates on loans and credit cards. |
|
Higher Credit LimitsEligibility for higher credit limits due to low risk. |
|
Favorable Financial OpportunitiesGood opportunities for favorable mortgage rates and lower insurance premiums. |
Score-range
Consistent On-Time PaymentsA long history of payments made on or before due dates. |
|
Very Low Credit UtilizationCredit card balances are consistently below 20% of the credit limit. |
|
Rich Credit MixA diverse range of credit types, managed responsibly over a long period. |
|
Minimal Credit InquiriesVery few applications for new credit, indicating low risk. |
Effortless Credit ApprovalAlmost guaranteed approval for new credit at the best possible terms. |
|
Lowest Interest RatesQualification for the lowest interest rates available. |
|
Highest Credit LimitsAccess to the highest credit limits offered by financial institutions. |
|
Best Financial OpportunitiesAlmost unrestricted access to the most favorable terms on mortgages, lowest insurance premiums, and widest range of financial products. |
Credit Bureau Malaysia Sdn Bhd (CBM) provides credit information
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for increased business credit awareness.
Credit Bureau Malaysia provides credit information and data to maintain and enhance your credit profile.
No credit history? Credit Bureau Malaysia can guide you in building credit for endless financial possibilities.
Stand out with superior financing options and rates when partnering with Credit Bureau Malaysia.
Prioritise credit building and enhance your credit score for increased business credit awareness.
Select the perfect plan that aligns with your financial goals and aspirations. We offer a variety of plans tailored to suit your specific needs, whether you’re an individual looking to monitor your credit score or a business aiming to access comprehensive financial data.
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