Credit profile review
Bank said no? Let’s find out why, and what to do next.
We review your credit situation with you and map out realistic steps to rebuild your profile and access better financing. No shame, no false promises.
First name only. No NRIC. No credit check.
What would you like help with?
First name only. No NRIC. No credit check.
We’ll never message you first, and we’ll never promise you a guaranteed grade. Anyone who does is a red flag.Pillar Advisory
Why banks say no
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Thin or no credit history
If you’ve never had a loan or card, banks have little to go on.
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Late or missed payments in the last 12 months
Banks look closely at the most recent year of repayments.
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High balances compared to income
When existing repayments take up a large share of income, banks tend to be more careful.
What a CBS grade actually means
Your Credit Bureau Singapore (CBS) report reflects your repayment history, as reported by banks. The grade summarises that history.
How we help
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1
Go through your situation together
Bring your CBS report. It’s what we go through together.
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2
Explain what’s affecting your profile and what’s realistic
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3
Plan next steps and, when you’re ready, find suitable financing options
What I do for clients
We sit down with you, go through your credit situation in plain language, and work out realistic next steps towards the financing you need.
About Pillar Advisory
Pillar Advisory is a credit and financing advisory in Singapore. We work with people who want to understand their credit profile and their financing options, and many come to us after a bank has said no.
We start with your CBS report. We explain what’s on it in plain language, talk about what’s realistic, and plan the next steps with you, at a pace that suits you.
Questions
Is the review free?
Yes. The review is complimentary and there’s no obligation afterwards. It’s simply a look at where you stand and whether we can help.
Can you remove things from my CBS report?
No. Accurate records stay for their set period. Errors can be disputed with CBS directly, and we can help you understand how.
Will this affect my credit score?
No. Answering questions involves no credit check.
Do I need my CBS report?
Yes. It’s what we go through together. You can buy it online from Credit Bureau Singapore.
Do you lend money?
No.
Is there an age requirement?
Most lenders here work with applicants between 23 and 60. If you fall outside that, we’ll tell you straight away.
Bank said no? Let’s find out why.
First name only. No NRIC. No credit check.