Non-Scored or Public records
. Employers will look out for public records such as past and/or existing writ of summons, bankruptcy record filed against you. This information will be retained in the credit report for 5 years from the date of discharge from bankruptcy. Bureau Score
. The Bureau Score is calculated from an algorithm based on information in your current available credit data and is a fluid number which may change from time to time in tandem with changes in your credit information. Lenders will assess the Risk Grade and Probability of Default to determine if you are a high risk borrower. Account Status History
. Lenders will be able to use this information to assess your repayment behaviour for the past 12 months. This information is displayed on a rolling 12 months basis (with the most current cycle on the left) while closed accounts will have the last 12 months payment status history as at the date of closure displayed for 3 years.
In reference to sample credit report and explanation: https://www.creditbureau.com.sg/enhanced-consumer-credit-report.html