订阅者访问 获取我的信用报告

了解 MySCoRE 的含义

0

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

100

Common Causes

Payment Issues

Constant late payments, loan defaults, or bankruptcies.
High Credit Utilization

Nearly maxed-out credit cards or high loan balances.
Limited Credit History

Absence of any meaningful credit history.
Credit Inquiries

Numerous and frequent credit applications.

Common Causes

Payment Issues

Constant late payments or loan defaults.
High Credit Utilization

High credit card balances or maxed-out credit cards.
Limited Credit History

Insufficient credit accounts or short credit history.
Credit Inquiries

Multiple recent credit applications or inquiries.

Common Causes

Late Payments

Occasional late payments or missed payments.
High Credit Utilization

Consistently high balances on credit cards, nearing the credit limit.
Limited Credit History

Few active accounts or a credit history of less than a year.
Credit Inquiries

Some recent credit applications or inquiries.

Common Causes

Late payments

Occasional late payments or missed payments.
High Credit Utilization

Balances on credit cards often exceed 50% of the credit limit.
Limited Credit History

A credit history that is limited but not necessarily brief
Credit Inquiries

Occasional applications for new credit or loans.

Common Causes

Consistent Payments

Mostly on-time payments with a few exceptions.
Moderate Credit Utilization

Credit card balances typically below 50% of the credit limit.
Diverse Credit Mix

A mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage.
Limited Credit Inquiries

Few applications for new credit, demonstrating less risk.

Common Causes

Timely Payments

Consistent on-time payments with rare exceptions.
Low Credit Utilization

Credit card balances are typically well below 30% of the credit limit.
Diverse Credit Mix

A healthy mix of credit types including credit cards, auto loans, and a mortgage.
Limited Credit Inquiries

Rare applications for new credit, showing financial stability.

常见原因

始终如一的准时付款

在到期日或到期日之前付款的悠久历史。
信用利用率非常低

信用卡余额始终低于信用额度的 20%。
丰富的信贷组合

多样化的信贷类型，长期负责任地管理。
最少的信用查询

新信贷申请很少，表明风险较低。

Very Poor

Score-range

0-38

Poor

Score-range

39-49

Below Average

Score-range

50-59

Fair

Score-range

60-64

Good

Score-range

65-79

Very Good

Score-range

80-92

出色的

分数范围

93-100

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Really high interest rates if credit is approved.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

Limited access to favorable terms on any financial products.

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Significantly high interest rates on loans and credit cards.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

Limited options for mortgages, insurance, and rentals.

Possible Effects

Credit Approval Challenges

Moderate difficulty in obtaining new credit.
Higher Interest Rates

Medium to high interest rates on loans and credit cards.
Lower Credit Limits

Credit limits are generally on the lower end.
Limited Financial Opportunities

Limited access to competitive mortgage rates, and insurance premiums may be higher.

Possible Effects

Credit Approval Challenges

Credit limit not on the most favorable terms.
Higher Interest Rates

May face slightly higher-than-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits may be moderate but not high.
Limited Financial Opportunities

Some restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals.

Possible Effects

Easier Credit Approval

Generally easy to obtain new credit, though perhaps not at the best rates.
Moderate Interest Rates

Will likely receive moderate interest rates on loans and credit cards.
Higher Credit Limits

Can expect moderately high credit limits.
Good Financial Opportunities

Access to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals.

Possible Effects

Easier Credit Approval

High likelihood of being approved for new credit on favorable terms.
Lower Interest Rates

Access to competitive interest rates on loans and credit cards.
Higher Credit Limits

Eligibility for higher credit limits due to low risk.
Favorable Financial Opportunities

Good opportunities for favorable mortgage rates and lower insurance premiums.

可能的影响

轻松获得信贷审批

获得新信用额度批准的机会很高。
最低利率

获得有竞争力的贷款和信用卡利率。
最高信用额度

获得金融机构提供的最高信用额度。
最佳财务机会

几乎不受限制地获得最优惠的抵押贷款条件、最低的保险费和最广泛的金融产品。

免责声明：我们不以任何方式保证上述交互式信用量表内容的准确性、完整性或可靠性，并且不应以任何方式将它们用作您实际信用评分或财务状况的权威指南。

Get To Know
The Meaning of Your MySCoRE

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

0

Very Poor

Poor

Below Average

Fair

Good

Very Good

Excellent

100

Score-range

0-38

Common Causes

Payment Issues

Chronic late payments, loan defaults, or bankruptcies.
High Credit Utilization

Nearly maxed-out credit cards or high loan balances.
Limited Credit History

Absence of any meaningful credit history.
Credit Inquiries

Numerous and frequent credit applications.

Possible Effects

Credit Approval Difficulties

Very high difficulty of getting approved for new credit.
Higher Interest Rates

Exorbitant interest rates if credit is approved.
Lower Credit Limits

Extremely low credit limits.
Limited Financial Opportunities

No access to favorable terms on any financial products.

Score-range

39-49

Common Causes

Payment Issues

Late payments or loan defaults.
High Credit Utilization

High credit card balances or maxed-out credit cards.
Limited Credit History

Insufficient credit accounts or short credit history.
Credit Inquiries

Multiple recent credit applications or inquiries.

Possible Effects

Credit Approval Difficulties

Very hard to get approved for new credit.
Higher Interest Rates

Significantly high interest rates on loans and credit cards.
Lower Credit Limits

Reduced credit limits.
Limited Financial Opportunities

Limited options for mortgages, insurance, and rentals.

Score-range

50-59

Common Causes

Late Payments

Occasional late payments or missed payments.
High Credit Utilization

Consistently high balances on credit cards, nearing the credit limit.
Limited Credit History

Few active accounts or a credit history of less than a year.
Credit Inquiries

Some recent credit applications or inquiries.

Possible Effects

Credit Approval Challenges

Moderate difficulty in obtaining new credit.
Higher Interest Rates

Likely to receive above-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits are generally on the lower end.
Limited Financial Opportunities

Limited access to competitive mortgage rates, and insurance premiums may be higher.

Score-range

60-64

Common Causes

Late Payments

Sporadic late payments, perhaps due to financial distress.
High Credit Utilization

Balances on credit cards often exceed 50% of the credit limit.
Limited Credit History

A credit history that is limited but not necessarily brief.
Credit Inquiries

Occasional applications for new credit or loans.

Possible Effects

Credit Approval Challenges

Can obtain credit but often not on the most favorable terms.
Higher Interest Rates

May face higher-than-average interest rates on loans and credit cards.
Lower Credit Limits

Credit limits may be moderate but not high.
Limited Financial Opportunities

Some restrictions on mortgage rates, higher insurance premiums, and fewer options for rentals.

Score-range

65-79

Common Causes

Consistent Payments

Mostly on-time payments with a few exceptions.
Moderate Credit Utilization

Credit card balances typically below 50% of the credit limit.
Diverse Credit Mix

A mix of credit types like credit cards, auto loans, but perhaps lacking a mortgage.
Limited Credit Inquiries

Few applications for new credit, demonstrating less risk.

Possible Effects

Easier Credit Approval

Generally easy to obtain new credit, though perhaps not at the best rates.
Moderate Interest Rates

Will likely receive moderate interest rates on loans and credit cards.
Higher Credit Limits

Can expect moderately high credit limits.
Good Financial Opportunities

Access to fairly good mortgage rates, reasonable insurance premiums, and wider options for rentals.

Score-range

80-92

Common Causes

Timely Payments

Consistent on-time payments with rare exceptions.
Low Credit Utilization

Credit card balances are typically well below 30% of the credit limit.
Diverse Credit Mix

A healthy mix of credit types including credit cards, auto loans, and a mortgage.
Limited Credit Inquiries

Rare applications for new credit, showing financial stability.

Possible Effects

Easier Credit Approval

High likelihood of being approved for new credit on favorable terms.
Lower Interest Rates

Access to competitive interest rates on loans and credit cards.
Higher Credit Limits

Eligibility for higher credit limits due to low risk.
Favorable Financial Opportunities

Good opportunities for favorable mortgage rates and lower insurance premiums.

Score-range

93-100

Common Causes

Consistent On-Time Payments

A long history of payments made on or before due dates.
Very Low Credit Utilization

Credit card balances are consistently below 20% of the credit limit.
Rich Credit Mix

A diverse range of credit types, managed responsibly over a long period.
Minimal Credit Inquiries

Very few applications for new credit, indicating low risk.

Possible Effects

Effortless Credit Approval

Almost guaranteed approval for new credit at the best possible terms.
Lowest Interest Rates

Qualification for the lowest interest rates available.
Highest Credit Limits

Access to the highest credit limits offered by financial institutions.
Best Financial Opportunities

Almost unrestricted access to the most favorable terms on mortgages, lowest insurance premiums, and widest range of financial products.

了解您的信用评分的重要性

在当今的金融环境中，了解您的信用评分至关重要。它是您财务状况的重要指标，影响您获得贷款、利率和各种机会的机会。

申请金融服务

信用评分在确定贷款或信用卡批准以及提供的利率和条款方面起着至关重要的作用。积极的信用评分向信贷提供者发出信号，表明您是一个负责任的借款人，更有可能按时偿还债务。

为了获得更好的利率

良好的信用评分可以帮助您降低贷款和信用卡的利率，通过减少利息支付来增强您的财务未来。

评估他们的财务状况或购买房屋

许多房东、物业经理和抵押贷款提供者对潜在租户进行信用检查，以评估他们的财务责任。良好的信用评分可以促进获得租赁或抵押贷款的过程，甚至可能导致较低的保证金。

申请工作

许多雇主在招聘过程中进行信用检查，尤其是对于涉及财务责任的职位。良好的信用评分可能会使您成为负责任的候选人。

监控您的财务状况

了解您的信用评分可以深入了解您的财务状况并突出需要改进的领域。此外，它还使您能够识别信用报告中的潜在欺诈或错误。

我们专有的商业/公司信用评分具有独特的违约概率指标和关键影响因素，是一个通用模型，能够预测违约概率并为企业/公司提供信用评分。

对于供应商关系

与供应商建立牢固的关系对企业至关重要。许多供应商向其客户提供信用条款，允许他们在特定时期内支付商品或服务费用。良好的信用评分使您能够与供应商协商有利的付款条件，例如延长付款期或提前付款的折扣。增加您的现金流，并与供应商保持健康的工作关系。

为了降低保险费

保险公司在确定您的保费时可能会考虑您的信用评分。积极的信用评分可以降低您企业的保险费，从而为您节省保险费用。

对于商业伙伴关系

协作和伙伴关系在许多企业/公司的成功中起着至关重要的作用。在寻求与其他企业的战略联盟或合作伙伴关系时，您的信誉可能是一个决定性因素。良好的信用评分表明财务可靠性，使潜在合作伙伴对您履行义务的能力更有信心。

用于租赁或设备融资

如果您的企业需要设备或机械进行运营，租赁或设备融资可能是一个有吸引力的选择。提供这些服务的信贷提供者通常会评估您的信誉。良好的信用评分会增加您获得批准的机会，并可能为租赁协议或设备融资带来更优惠的条款和条件。

为了维护商业信誉

保持良好的信用评分对您的商业声誉有积极影响。它表明您在财务上负有财务责任，并且可以依赖您来履行您的财务义务。这可以提高您在商业界的信誉，从而带来更多机会并增加利益相关者的信任。

我们如何为您提供帮助

信贷专家协助 – 有意识的马来西亚人

Credit Bureau Malaysia Sdn Bhd （CBM） 提供信用信息和数据，
以维护和提升您的信用状况

为信用记录有限或没有信用记录的个人建立信用

没有信用记录？Credit Bureau Malaysia Sdn Bhd （CBM） 可以指导您建立信用，
以获得无限的财务可能性

为提供信贷服务的金融机构提供的信贷解决方案

与马来西亚信用局私人有限公司 （CBM） 合作时，以卓越的融资选择和利率脱颖而出

马来西亚商业/公司的财务赋权

优先考虑信用建设并提高您的信用评分，以提高商业信用意识

我们如何为您提供帮助

理想的报告，简化

选择符合您的财务目标和抱负的完美计划。我们提供各种量身定制的计划，以满足您的特定需求，无论您是希望监控信用评分的个人，还是旨在访问全面财务数据的企业。

个人

MySCoRE

对于想要评估自己财务状况的个人。

RM18

*SST 后的总价为 RM19.44

开始使用

你会得到什么
  • 个人信用评分
  • 银行信息 （CCRIS）
  • 贸易参考信息
  • 诉讼信息

下载 MySCoRE
信用报告样本在这里 here.

商业

MyBizSCoRE

适用于想要识别潜在风险并采取措施减轻风险的企业家。

RM30

*SST 后的总价为 RM32.40

开始使用

你会得到什么
  • 商业/公司信用评分
  • SSM Registry 和长达 5 年的财务报表
  • 持股/董事
  • 银行信息 （CCRIS）
  • 贸易参考信息
  • 诉讼信息

下载 MyBizSCoRE
信用报告样本在这里 here.

Ideal Reports, Simplified

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.

INDIVIDUAL

MySCoRE

For individuals who want to assess their financial health.

RM18

*Total price after SST is RM19.44

Get Started

What You’ll Get
  • Individual Credit Score
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MySCoRE
Credit Report sample here.

BUSINESS

MyBizSCoRE

For entrepreneurs who want to identify potential risks and take steps to mitigate them.

RM30

*Total price after SST is RM32.40

Get Started

What You’ll Get
  • Business / Company Credit Score
  • SSM Registry & up to 5 Years of Financial Statement
  • Shareholding/Directorship
  • Banking Information (CCRIS)
  • Trade Reference Information
  • Litigation Information

Download a MyBizSCoRE
Credit Report sample here.

CBM MOBILE APP

Now Available for

DOWNLOAD

App Store
Google Play

Safe, Secure,
Seamless.

Seamlessly manage your financial health, track your progress, and make informed decisions on the go.
Stay tuned for the official launch and be among the first to experience the convenience and empowerment of our brand new mobile app.

CBM MOBILE APP

Safe, Secure, Seamless.

Seamlessly manage your financial health, track your progress, and make informed decisions on the go.
Stay tuned for the official launch and be among the first to experience the convenience and empowerment of our brand new mobile app.

Now Available for DOWNLOAD

App Store
Google Play

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A Better Financial Future

Ready to take the first step towards financial empowerment? Inquire with us today and discover how our credit score services can benefit you. Our dedicated team of experts is here to answer your questions, provide personalized guidance, and help you make before making more informed decisions about your financial future.

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