What is a credit report?
Why Your Credit Report Matters?
Keep Good Record
Check before you apply to better understand your credit profile.
Unlock Better Offers
Improve your TU score may help
for higher credit limits and
lower interest rates.
Prevent Identity Theft
Monitor all accounts to identify suspicious activity early
What's inside your credit report?
Credit Rating
Your credit rating is graded across ten tiers, from A to J, giving you an instant overview of your financial health.
Credit Activities
Tips to Improve Rating
How to Get Your Credit Report?
Free credit report in 4 easy steps!
Step 1
Download
X Wallet App
Step 2
Log in to the homepage and click the “Credit Check” banner
Step 3
Complete your identity verification
Step 4
View & download your official report!
Tips to Boost Your Credit Score
Payment conduct & History
Payment history is one of the core components of your credit score. Repay on time shows financial stability and contributes to a positive credit record.
Credit Usage
Credit utilization is a key indicator to demonstrate responsible credit usage. Maintaining it between 30% and 50% generally reflects good financial health and responsible credit management.
Credit History
The longer record of your on-time repayment, the better it will reflect that you have a stable borrowing and repayment track record (i.e. the risk of default is low).
Credit Enquiries
Each time you apply directly to a lender for a loan, the lender could be checking your credit report. A higher number in a short period may signal financial stress. To avoid this, start with a free credit check here that doesn’t affect your credit score. For personal viewing only. Checking will not affect your credit score.
The information available through this service is provided by TransUnion for reference only. We make no representation or warranty as to its availability, content, completeness or accuracy, and accept no liability for any loss or damage arising directly or indirectly from the use or misuse of such information. We reserve the right to terminate this service at any time without prior notice. Our decision regarding the provision of this service shall be final.
