CBM Individual Credit Report (Sample)
CBM Individual Credit Report (Sample)
CBM Individual Credit Report (Sample)
PERSONAL INFORMATION
The following is your personal information provided to us:
Individual Profile
Name INDIVIDUAL A
New IC Number XXXXXXXX
Old IC Number(if any) KXXXXXX
Date of Birth xx/xx/xxxx
Nationality MALAYSIA
ADDITIONAL DEMOGRAPHICS
Address details are supplied in conjunction with a credit application, therefore the address information recorded is not a chronological list of addresses.
Address Records
Address Report Date
MySCoRE™ ASSESSMENT
Based on your credit data, your credit score as at 10/03/2016 is 532 and falls into the credit grade of FF. The probability of you defaulting
based on statistics and the population average, within the next 12 months is 17.43%.
The Key Influencing Factors which contributes to your MySCoRE are as below:
i. Total credit allowance for secured personal loan accounts is relatively low
ii. Bank revolving account balances are relatively high in proportion to credit limits or no satisfactory trades
iii. For accounts with collateral, the total collateral value is relatively low
iv. Average available credit allowance for bank revolving accounts is relatively low
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
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Notes:
MySCoRE™ does not draw conclusion or provide credit decisions for credit providers. MySCoRE™ is only one piece of information used by credit providers in
their credit assessment process. Other than the MySCoRE™, credit providers will also consider their own risk acceptance level in lending, their own internal credit
score and the applicant’s demographic and financial information. A credit score is a fluid number and is calculated based upon the latest information contained in a
credit file at the time the score is requested. Since the credit information of a consumer may change from time to time, a score generated previously may not be the
same as the current one. Moreover, the same credit applicant with the same score may be accepted by one credit provider, but rejected by another. Such
decisions depend on the credit policy of the credit providers and other available information. We are not involved in any way in their credit decision process.
B. Pending 0 0.00
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
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Loan Information
Total
Date Prin. Date
Lender Outstanding LGL
No Date Sts Capacity Facility Balance Limit (RM) Repmt Col Type Conduct of Account for Last 12 Months Status
Type Balance STS
Updated Term Update
(RM)
2016 2015
Outstanding Credit M F J D N O S A J J M A
Citiban
k
1 11/01/2008 Own 163,000.00 PROPERTIES
Berha
d
O HSLNFNCE 132,617.00 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
Mayba
nk
2 27/03/2009 Joint Islamic 250,000.00 M/VEHS
Berha
d
Other term
loan/finance
(include
O 0 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
personal
loan/
finance)
CIMB
Bank PROPER
3 18/05/2010 Own 616,452.00
Berha TIES
d
Other term
loan/finance
(include
O 581,313.00 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
personal
loan/
finance)
Mayba
nk
4 08/09/2010 Partner Islamic 30,000.00 CLEAN
Berha
d
O Credit Card 0.00 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
CIMB
Bank FIN
5 05/03/2012 Joint 110,000.00
Berha GUARANTEE
d
Other term
loan/finance
(include
O 90,884.00 29/02/2016 MTH 2 1 1 1 1 1 1 1 1 1 1
personal
loan/
finance)
6 30/03/2012 Own Citiban 425,000.00 PROPERTIES
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
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STRICTLY CONFIDENTIAL
k
Berha
d
Other term
loan/finance
(include
O 405,548.00 29/02/2016 MTH
personal
loan/
finance)
Citiban
k
7 30/03/2012 Own 10,000.00 CLEAN
Berha
d
O Credit Card 0.00 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
CIMB
Bank
8 10/05/2012 Own 95,000.00 M/VEHS
Berha
d
Purchase of
O passenger 48,270.00 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
cars
Citiban
k
9 31/05/2012 Own 500,000.00 PROPERTIES
Berha
d
Other term
loan/finance
(include
O 382,276.00 29/02/2016 MTH 1 0 1 1 1 1 1 1 1 0 1
personal
loan/
finance)
CIMB
Bank 3,150,000.0
10 3/01/2014 Own PROPERTIES
Berha 0
d
Other term
loan/finance
(include 2,098,183.0
O 29/02/2016 MTH 0 0 0 0 0 0 0 0 0 0 0
personal 0
loan/
finance)
CIMB
Bank
11 03/03/2015 Own 558,300.00 PROPERTIES
Berha
d
Other term
loan/finance
(include
O 553,403.00 29/02/2016 MTH
personal
loan/
finance)
Citiban
k
12 12/08/2015 Own 700,742.00 PROPERTIES 0 0 0 0 0 0 0 0
Berha
d
Other term
loan/finance
(include
O 699,479.00 29/02/2016 MTH
personal
loan/
finance)
Total Total
4,991,973.0 6,608,494.0
Outstanding Limit:
0 0
Balance:
Special Attention Account
Credit Application
AEON
Credit
Servic
1 23/10/2014 A Joint e 700,000.00
(M)
Sdn
Bhd
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
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DCHEQS (dishonoured cheques) information is only available on Monday to Friday from 9am till 10pm.
Current Enquiry(ies)
Enquiry Number Report Enquiry Type Enquirer ID
201603104644555 NEW APPLICATION PF012000001
GLOSSARY
MySCoRETM Assessment
Credit Grade
A value given to an individual to reflect their current and past debt repayment patterns. A grade of “AA” is considering the best.
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
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A credit score is a numerical summary of the information contained in individual credit report. The credit score is calculated by using a
statistical model which is used to objectively evaluate information that pertains to make a credit decision.
For scored individual, it is an integer between 1 to 4 and 10 to 900. An individual with lower score is more risky then one with higher value.
For non-scored individual, it has a value of 0.
Probability of Default (PD)
It is the predicted probability of default for the individual within the next 12 month.
For scored individual, it is a value between 0 and 100. An individual with a higher probability of default is more risky than one with lower value.
** Below with the following mapping between credit grade, colour scheme, credit score, and the PD for scored individual.
Probability of Default
Credit Grade Color Scheme Credit Score
(PD)
X4 4 0.00% - 2.40%
X3 3 2.50% - 3.70%
X2 2 3.80% - 5.80%
X1 1 5.90% - 100.00%
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information exists
END OF REPORT
DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one
factor in connection with credit and other business decisions. The report contains information compiled from data sources which Credit Bureau Malaysia does not control and which may
not have been verified unless otherwise stated in this report. Credit Bureau Malaysia therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of
the report. Credit Bureau Malaysia disclaims all liability for any loss or damage arising out of or in manner related to the contents of this report. Consent from the individual is required
before retrieval of the report.
Page: 1