Your Grade, Your Fate
High Credit Score - Life Has More in Store.

Your Grade,

Your Fate
High Credit Score -
Life Has More in Store.

We’ve all heard the phrase, “Your face, your fate,” but there are other key factors that could impact your future: your credit rating being one of them.

Your credit rating is like your financial health report. It's not enough to simply know it exists; you need to regularly check and monitor your credit rating to help ensure your future plans can go according to your FLOW.

Why is credit score important to me?

When do I need a credit score?

“Credit score? It’s none of my business because I don’t need any loan.” This is a common misconception held by many people, but it is totally wrong! In fact, credit score is closely related to our daily life!

A credit rating isn’t a fixed figure - it may change with every credit-related move you make. By taking control of your credit health, you can:

Minimise Potential Future Hurdles and
Pave the Way for Life’s Big Moments

Minimise Potential Future Hurdles and
Pave the Way for

Life’s Big Moments

On your life's journey, you might face major milestones like buying a house, starting a business, emigrating, studying abroad, applying for a credit card, or seeking employment. It would be too late if you discovered your credit score was not ideal at a crucial moment, causing hurdles to your plans.

Regularly monitoring your credit score allows you to identify potential issues and understand your financial situation early, giving you time to address any concerns. This could help you remove various obstacles on your life's path and achieve your plans according to your flow.

  1. 1 Credit Products Application Applying for credit card Applying for personal loan Getting a mortgage
  2. 2 Relocation/ Overseas Investment Applying for immigration Investing overseas, such as buying properties and cars
  3. 3 Career Development Employment background check

Taking charge of your credit score means taking control of your life.
Start monitoring your financial health today and help ensure every dream can be realised without a hitch.

Taking charge of your credit

score means taking control

of your life.
Start monitoring your financial health today and help ensure every dream can be realised without a hitch.

Learn more now to seize this opportunity and enjoy a limited-time double discount offer to protect your credit health.

Real Life Stories

Real Life Stories
HR asks to check my credit rating!?

HR asks to check my credit rating!?

Sandy recently took a job interview at a 4A advertising firm.

“Once you pass the final round of interviews, we’ll need your consent to let us review your report from TransUnion,” said the HR lady.

It was only after the interview when Sandy wondered: she’s simply applying for a designer job at an advertising firm, not a financial institution. Why would they ever need to check her credit report? Isn’t that crossing the line of personal privacy?

How low can you sink?

How low can you sink?

Sandy, who works at a beauty parlour, is one of the many who’ve been severely impacted by the pandemic. Seeing no light at the end of the tunnel, she decided to take out a bank loan.

With a bad record of maxing out her credit cards and not being able to pay them off, Sandy knew her credit history wasn’t stellar. But she’s turned over a new leaf, so the bank might approve her loan now, right?

Not. A. Chance. She got rejected.

If you were Sandy, what would you do to learn from this failure and improve on your credit score?

Should I be my husband's guarantor?

Should I be my husband's guarantor?

In this story, a married couple was planning to buy an apartment to build their dream life together.

However, the husband was in debt and he had late repayment records previously. He’s well aware that with his bad credit score, there's only a grim chance for him to take out a mortgage without a guarantor.

He then asked his wife to be the guarantor so that they could apply for a mortgage successfully. Although she trusted her husband with all her heart, she's concerned about the potential effects on her credit score if she agreed to be a guarantor...

Transunion’s credit scoring takes into account a comprehensive set of credit and public record data to ensure that consumers are reliably and fairly represented with statistic support, while helping financial institutions manage risk appropriately. Financial institutions’ risk appetites may vary, and credit scores are among many factors that lenders take into account when it comes to extending credit. Transunion’s proprietary scoring algorithms, containing dozens of data attributes, is an analysis built upon decades of market experience, industry insights and expertise in Hong Kong and around the globe. The credit-related behaviours it analyses can trigger multiple attributes that affect a person’s credit score, subject to different situations. While building credit health is always attainable, it generally takes time and consistent healthy credit habits to see an improvement.