I'm a score of DD-GG.

If your credit score falls between DD-GG, several factors might be at play. You may have been approved for loans or credit card facilities, but if you're only making minimum payments instead of clearing your full monthly bill, your CBS score will remain stagnant. Only by paying your full balance each month can you expect to see an improvement in your score.

Additionally, repeatedly applying for new credit directly through the banks—even while servicing your existing loans or credit cards on time—can also hinder your CBS score's progress.

If you're consistently paying your full balances on time and still want to improve your CBS score, speak to us. We can offer tailored advice to help you strengthen your financial profile.