Know Your Financial Health

What is a CTOS Score?

The CTOS Score is a 3-digit number that represents your creditworthiness. It evaluates an individual's credit history and capability to repay financial obligations. The higher the score, the better your chances of securing a loan.

What influences your CTOS Score?

• Payment History (45%): This is the core of your score, indicating your reliability in repaying debts.
• Amounts Owed (20%): This represents your credit utilisation. High balances relative to your credit limits can lower your score.
• Length of Credit History (7%): A longer history provides more data for lenders, typically benefiting your score.
• Credit Mix (14%): A variety of credit types shows you can manage multiple forms of debt.
• New Credit (14%): Opening several new accounts in a short period may signal financial strain, affecting your score negatively.

Why choose CTOS?

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  Increase your chance of getting a loan
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  Monitor the status of your credit health
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  Detect identity theft and fraud