A credit report is a detailed record of an individual's or a company's credit history and financial behaviour. Credit reports are compiled by credit reporting agencies (also known as credit bureaus) based on data provided by lenders, creditors, and other financial institutions. 

You may also wish to read our other FAQ, "Why these documents," to learn more about why credit reports are required.

To get your CBS credit report, go to https://www.creditbureau.com.sg/ 

Please note that if your CBS is required by the lender to provide you with a quote, this applies regardless of any intermediaries. Intermediaries who choose not to collect your MLCB/CBS when required are likely to be giving you only an indicative offer based on an incomplete assessment or may require you to furnish it later, which could delay your application process. Or you might be heading down to the lenders based on the indicative quote and upon requesting your MLCB/CBS on the spot, have to turn you away due to your DSR.

In many countries, such websites are being sued for being misleading or click-baiting as there was no real comparison. Please click here for more on that, and how FindTheLoan works differently.

For members of CBS who can purchase it on your behalf, you can toggle the option to show only those lenders on the Select Financing Partners page to send your enquiry directly to them. But we recommend you speak to as many lenders as possible as finding a cheaper loan would save you much more than the cost of CBS. 

Tip: When you make a loan enquiry with any of the digital banks directly, (accurate as of Sept 2024) you will be able to download your credit report for free. However, repeated pull may affect your credit score. So consider pulling it yourself and furnish the same to multiple lenders.

Please click download instead of right-click to save or print whenever such a button is available, as many banks and lenders would prefer these documents to be in PDF especially if they use machine scoring.

• - Login to our CPF website with your Singpass
• - Select "My Statement"
• - Look under Section Cand select "Property"
• - Select "My Public or Private Housing Withdrawal Details"

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in pdf.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Contact Singpass or CPF if there is a technical issue.

Log in to your CPF account using Singpass.

Step 1: Click My Statement on the left menu
Step 2: Click Net Amount Used & Amount Available

Step 3: Under section C, click 'Property which will bring you to 'My Statement- Property.

Step 4: Click save to pdf and not print to pdf and ensure it shows the net amount used and accrued interest for Ordinary and Special Account. Please submit the statement even if it reflects that there are no contributions/transactions. Most banks and lenders would prefer these documents to be in pdf as it is harder to tamper with, and only when the pdf does not download some information on the page then you should attach a screenshot of it. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Step 5: Repeat for all property owners if there are more than one owner.

Contact Singpass or CPF if there is a technical issue.

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Whenever possible and available on the website, please click download instead of save or print. Most banks and lenders would prefer these documents to be in pdf as it is harder to tamper with.

As what you see on your screen and download might be different, depending on how the website configured it, you should try to open the downloaded pdf to ensure you have provided the requested information, and only when the pdf does not download some information on the page then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Contact Singpass or HDB if there is a technical issue.

- Step 1 Click "Login to MyHDBPage" at HDB Website using your SingPass
- Step 2 Select "My Flat"
- Step 3 Under "Purchased Flat", go to "Financial Info"
- Step 4 Right click and select "Print" to save as a PDF file

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in PDF.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please capture overlapped information so that your Financing Partner can put two and two together (screenshot and PDF) and know that they belong to the same person.

- Step 1 Login to HDB Website using your SingPass
- Step 2 Select "My Flat"
- Step 3 Under "Purchased Flat", select "Flat Details"
- Step 4 Select "Save to PDF" on bottom of the page

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in pdf.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Contact Singpass or HDB if there is a technical issue.

Please refer to https://www.iras.gov.sg/irashome/uploadedFiles/IRASHome/e-Services/User%20Guide-View%20Account%20Summary_Sept2017.pdf or https://www.iras.gov.sg/irashome/e-Services/Property/Property-Owners/

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in pdf.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Contact Singpass or IRAS if there is a technical issue.

- Step 1 Click "Log in to myTax Portal" at the IRAS Website using your SingPass or IRAS pin
- Step 2 Under "Property", click "View Property Portfolio"
- Step 3 Under "View Property Portfolio", click "View Details"
- Step 4 Click "Print" and save as a PDF copy

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in pdf.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Contact Singpass or IRAS if there is a technical issue.

- Log on to IRAS Website at www.iras.gov.sg
- Click on 'LOGIN' on the top right corner of the page
- Click on 'Login to myTax portal' and Login for 'Personal Tax Matters' with 'SingPass' or 'IRAS PIN', depending on which login method you prefer, and key in your login details
- Under 'Notices', click on 'Individual' and select the required Notice of Assessment(s)

If necessary, please submit the statement even if it reflects there are no contributions/transactions. Please click download instead of right-click to save or print whenever such button is available, as many banks and lenders would prefer these documents to be in PDF.

As what you see on your screen and download might be different (depending on how the website configures it) - should the pdf not include some identifying information such as your name, on the page, then you should attach a screenshot of it along with the pdf. When attaching a screenshot, please try to take the whole page so that your Financing Partner can put two and two together (screenshot and pdf) and know that they belong to the same person.

Foreigners who have not been taxable in Singapore can request a "No Income Tax Return" letter from IRAS and attach that instead. However, you may want to read, "Can a foreigner/S Pass [Employment Pass(EP)/Work Permit(WP) holder take a loan in Singapore?" before that. 

A credit report is a detailed record of an individual's or a company's credit history and financial behaviour. Credit reports are compiled by credit reporting agencies (also known as credit bureaus) based on data provided by lenders, creditors, and other financial institutions. 

You may also wish to read our other FAQ, "Why these documents," to learn more about why credit reports are required, and here for the definition of a moneylender, as the public is still often confused about what a moneylender is despite changes made to the Moneylender Act in the early 2000s.

To get your MLCB credit report, go to https://www.mlcb.com.sg/buy-loan.html (Not to be confused with the CBS report which is a separate industry update from all retail banks and some financial institutions.) 

Please note your MLCB is required for the lenders to give you an accurate quote, this applies regardless of any intermediaries. Intermediaries who choose not to collect your MLCB/CBS when required, are likely to be giving you only an indicative offer based on an incomplete assessment or may require you to furnish it later, which could delay your application process. Or you might be heading down to the lenders based on the indicative quote and upon requesting your MLCB/CBS on the spot, have to turn you away due to your DSR. 

In many countries, such websites are being sued for being misleading or click-baiting as there was no real comparison. Please click here for more on that, and how FindTheLoan works differently.

Please note while MLCB's FAQ states that a moneylender can purchase it, that is only if you are applying with the moneylender at their location, as you will notice that your Singpass login is required. (accurate as of Sept 2024)

Please click download instead of right-click to save or print whenever such a button is available, as many banks and lenders would prefer these documents to be in PDF especially if use machine scoring.

For any technical issue, please contact mlcb.cs@creditbureau.com.sg