My Credit Report





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FAQs
Your Consumer Credit Report
  1. What is a Consumer Credit Report?
  2. Why do you need a Consumer Credit Report  (Credit Report Benefits)?
  3. What are the uses of a Consumer Credit Report?
  4. How do I improve my Credit Standing?
  5. What is CaseTrust Gold?
  6. What is TrustSg?
DP Credit Bureau
  1. What is a Credit Bureau?
  2. How do I purchase a Consumer Credit Report?
  3. How do I give feedback regarding the contents of my Consumer Credit Report?
  4. Do I need to pay for the redress of inaccurate information?
  5. How long will DP take to rectify the records?
Your Consumer Credit Report
  1. What is a Consumer Credit Report?
    • A Consumer Credit Report is a record of your credit facilities as contributed by members of the Credit Bureau. It includes credit card accounts or loans that you may have, the balances, and how regularly you make your payments. It also shows if any action has been taken against you because of unpaid bills.
    • The information that you will find on a Consumer Credit Report will normally comprise of the following:
      • Personal information, including date of birth, nationality, postal code
      • Credit facilities and repayments
      • Enquiries made by Credit Bureau members
      • Records on default, bankruptcy & litigation
      • Credit counseling (if any)
  2. Why do you need a Consumer Credit Report  (Credit Report Benefits)?
    • Most people finance their homes and purchase their cars with loans. Young people often obtain loans for large ticket items and maybe even for University education. And, of course, many people make purchases with credit cards. You have to apply for such credit facilities. Banks, finance companies or retailers will usually grant you credit only after knowing something about you especially your credit background. A Consumer Credit Report keeps you updated on your credit standing and supports your application for credit.
  3. What are the uses of a Consumer Credit Report?
    • A Consumer Credit report is used by banks and financing companies to ascertain a credit applicant's credit status and history with other Bureau Members. The Report may also be used to review the credit status of a current credit customer.
    • A bank or financing company will usually look out for
      • Repayment status of the credit facilities
      • Any default / bankruptcy / litigation arising from these credit facilities
      • Number of existing credit facilities
      • Overdue amounts
  4. How do I improve my Credit Standing?
    • You can improve your credit standing by observing these few simple pointers:
      • Repay outstanding/overdue credit on time
      • Keep the number of credit facilities manageable
      • Clear bankruptcy / litigation
      • Regularly check your Consumer Credit Report to ensure there is no error especially on / or during credit application
  5. What is CaseTrust Gold?
    • CaseTrust Gold is the premier tier of the CaseTrust Accreditation Scheme. Recipients of the CaseTrust Gold award are businesses with the added edge that distinguishes them as industry leaders. CaseTrust Gold recognizes business excellence and superior customer service.

    • To consumers, CaseTrust Gold represents a promise of the highest possible standards in service quality. The award recognizes dynamism and innovation, the desire of businesses to keep pace with changing consumer demands & needs, inspiring the level of consumer confidence that is worthy of being talked about.
  6. What is TrustSg?
    • TrustSg is a nation-wide trust mark initiative by the National Trust Council(NTC) to encourage the electronic commerce environment in Singapore. This is to help build confidence in e-commerce transactions especially in the area of privacy and security. To acquire the TrustSg seal, merchants are required to comply with a stringent code of product for online business practice set by the NTC. The code covers the area of disclosure, privacy, fulfillment, best business practices, and protection of minors and the elderly.

    • TrustSg gives you the assurance that you are dealing with trusted online merchants who will honour their promise and deliver what you order. Sufficient information about goods and services are also made available to let you make an informed buying decision. So, not only do you get the conveniences of online shopping at your fingertips, you can also shop without fear of security risks and fraudulent merchant behaviour.
DP Credit Bureau
  1. What is a Credit Bureau?
    • A Credit Bureau is a repository of factual information that contains credit application and repayment records. This information is meant to help Bureau members (credit providers) to determine if the consumer applying for credit has the ability and propensity to pay. The objective of a Credit Bureau is to assist lenders with more relevant and extensive repayment information and to enable lenders to make better and more objective decisions quickly.
  2. How do I purchase a Consumer Credit Report?
    • You can go to the following branches to purchase your report. You should have with you a completed Consumer Credit Report application form and your original photo ID with NRIC number (such as NRIC) or passport (for foreigners) for verification. If you are authorising another person to purchase your Report on your behalf, please fill in the 'Authorisation to Purchase on behalf' section of the application form. He/she should bring along both his/her and your original photo ID with NRIC number (such as NRIC) or passport (for foreigners) for verification.
    • Our Branches:
    • HDB Hub East Wing @ Toa Payoh
    • 480 Lorong 6 Toa Payoh #08-04
    • HDB Hub East Wing
    • Singapore 310480
    • Tel: (65) 6352 7780
    • Mondays to Fridays: 8:45am – 5.30pm
    • International Plaza @ Anson Road
    • 10 Anson Road #05-17
    • International Plaza
    • Singapore 079903
    • Tel: (65) 6829 9800
    • Mondays to Fridays: 8:45am – 5.30pm
    • Saturdays: 8.45am – 12.30pm
    • Luzerne @ Bendemeer Road
    • 72 Bendemeer Road #04-28
    • Luzerne
    • Singapore 339941
    • Tel: (65) 6738 1900
    • Mondays to Fridays: 8.45am – 6.15pm
  3. How do I give feedback regarding the contents of my Consumer Credit Report?
    • You can send us your feedback online. (click here for online feedback).
    • Or, send us an email at feedback@dpcreditbureau.com.sg

    • Alternatively, you can bring your Report to our customer service counters at:
    • Our Branches:
    • HDB Hub East Wing @ Toa Payoh
    • 480 Lorong 6 Toa Payoh #08-04
    • HDB Hub East Wing
    • Singapore 310480
    • Tel: (65) 6352 7780
    • Mondays to Fridays: 8:45am – 5.30pm
    • International Plaza @ Anson Road
    • 10 Anson Road #05-17
    • International Plaza
    • Singapore 079903
    • Tel: (65) 6829 9800
    • Mondays to Fridays: 8:45am – 5.30pm
    • Saturdays: 8.45am – 12.30pm
    • Luzerne @ Bendemeer Road
    • 72 Bendemeer Road #04-28
    • Luzerne
    • Singapore 339941
    • Tel: (65) 6738 1900
    • Mondays to Fridays: 8.45am – 6.15pm
  4. Do I need to pay for the redress of inaccurate information?
    • No payment is required.
  5. How long will it take to rectify the Report?
    • Once we receive your feedback form, we will conduct a verification to investigate the source of the information. You will be notified of the outcome of the dispute within 10 working days.