By MoneyBees
Enter your Credit Bureau Singapore score to see its risk grade, the probability of default CBS ties to it and how far you are from the next grade. Then check when a late payment, enquiry, settled default or bankruptcy drops off your report.
Printed on your Credit Bureau Singapore report, from 1000 to 2000.
Risk grade
EE
scores 1782 to 1812
Probability of default
1.03% to 1.58%
CBS's band for grade EE
Record drops off
3 Oct 2028
2 years from the enquiry date
A score of 1800 is grade EE. CBS ties this grade to a probability of default of 1.03% to 1.58%. You are 13 points from DD.
Credit enquiry from a loan or card application shows on your report until 3 Oct 2028, 2 years from the enquiry date.
CBS does not publish how it weighs each factor, so no tool can tell you exactly how many points an action is worth. The table below shows the direction CBS gives for each one.
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| Grade | Score | Probability of default |
|---|---|---|
| AA | 1911 to 2000 | 0.27% or less |
| BB | 1844 to 1910 | 0.27% to 0.67% |
| CC | 1825 to 1843 | 0.67% to 0.88% |
| DD | 1813 to 1824 | 0.88% to 1.03% |
| EE | 1782 to 1812 | 1.03% to 1.58% |
| FF | 1755 to 1781 | 1.58% to 2.28% |
| GG | 1724 to 1754 | 2.28% to 3.48% |
| HH | 1000 to 1723 | 3.48% or more |
| Factor | Direction |
|---|---|
| Late payments on loans or cards | Lowers your score |
| Prompt payments over time | Helps your score; CBS uses 12 months of repayment conduct |
| Long credit history | Seen as more favourable than little or none |
| Many new loan or card applications | Each adds an enquiry; more applications signal more risk |
| Several new credit lines in a short time | Can look like over-extending |
| Amount of credit you use | Higher exposure generally means higher risk |
| Checking your own report | No effect |
| Your bank reviewing an existing loan | No effect |
| Grade | Means |
|---|---|
| HX | A public record such as a writ of summons or bankruptcy |
| HZ | An account 90 days or more past due, or written off, with S$300 or more owing |
| GX | Enquiries on file but no credit accounts |
| BX | Only inactive, bridging loan, margin trading or other accounts |
| CX | Not enough credit activity to score |
Your report shows 1800. That is grade EE, scores 1782 to 1812, with a probability of default of 1.03% to 1.58%. You are 13 points from DD. A card application on 3 Oct 2026 leaves an enquiry on your report until 3 Oct 2028.
Buy your report online from Credit Bureau Singapore for S$8 before GST. It is free within 30 days of a member bank's letter approving or rejecting your credit application.
Credit Bureau Singapore scores run from 1000 to 2000. AA, 1911 to 2000, is the best grade, with a probability of default of 0.27% or less. BB covers 1844 to 1910. HH, 1723 and below, is the weakest, at 3.48% or more.
Each grade from AA to HH stands for a range of scores and the probability of default CBS links to it. AA is the lowest risk and HH the highest. Lenders use the grade alongside the rest of your report.
These grades have no score. HX means a public record such as a writ or bankruptcy. HZ means an account 90 days past due or written off with S$300 or more owing. GX, BX and CX mean too little active credit to score.
CBS lists late payments, how much credit you use, recent new credit, the length of your credit history, the number of accounts open, and new loan applications. Prompt payments help, and CBS uses 12 months of repayment conduct.
No. CBS says self-enquiries do not affect your score, and neither do reviews by a bank on a loan you already have. Applications for new credit add an enquiry that lenders see.
Enquiries stay for 2 years. Closed accounts show their payment history for 3 years after closure. Settled defaults stay 3 years from the settlement date. Bankruptcy stays 5 years after discharge. Unsettled defaults stay indefinitely.
Buy it online from Credit Bureau Singapore for S$8 before GST. It is free within 30 days of a member bank's letter approving or rejecting your credit application.
No. CBS does not publish its scoring formula. This checker maps your score to CBS's own grades and dates your records; the direction of each factor comes from CBS's guidance.
These calculators provide general estimates for educational purposes only and are not personalised financial advice. Results may rely on rates and rules that change over time, so verify against official sources (IRAS, CPF Board, HDB, MAS) or consult a licensed financial adviser before making decisions.
Junxiong-WFG Organisation is an authorised representative of AIA Financial Advisers Private Limited (Reg. No. 201715016G).