Welcome to Trillion Credit, your trusted partner in navigating the borrowing landscape in Singapore. Whether you’re considering a loan or seeking to understand your credit history, our comprehensive guide provides valuable insights into Moneylender Credit Bureau (MLCB) reports and the purchasing process. Let’s delve into the essential details to empower you towards informed financial decisions.

Understanding Moneylender Credit Bureau (MLCB) Reports:
A Moneylender Credit Bureau (MLCB) report is a detailed record of an individual’s borrowing history with Licensed Moneylenders in Singapore.

Here’s a breakdown of the key details contained within an MLCB report:

Personal Information:
Name, Identification Number, Income

Loan Details:
Loan Type, Loan Start, Loan Status, Total Outstanding Amount, Repayment History

Outstanding Balances:
Total Outstanding Principal and Total Outstanding Payable Amount

Default and Delinquency Information:
Default and Bad Debt Status

How does the MLCB report affect me as a borrower?
With detailed information on your loan history, a Licensed Moneylender will use it to evaluate whether they’d approve your loan application. The Licensed Moneylender will use the MLCB report in conjunction with your income documents to evaluate your loan application.
For instance, an MLCB report showing that you have outstanding loan repayments might make you appear to have poor credit standing. This may also indicate that you may not be able to fulfil the repayment of the loan you’d like to take up from the Licensed Moneylender.

Purchasing an MLCB Report:
Here’s how you can purchase an MLCB report:

If you’re looking to take up a loan from a Licensed Moneylender, you need not obtain your own MLCB report because the Licensed Moneylender will do so on its own as part of the loan approval process.

However, if you just want to find out your credit standing in the eyes of a Licensed Moneylender, then you can do so via:
Online Purchase:
Visit the MLCB website for immediate access using Singpass.
In Person:
Visit MLCB’s office at 2 Shenton Way, #20-02, SGX Centre 1 Singapore 068804 for direct purchase (cash only).
Credit Counselling Singapore (Channel Partner): Visit CCS at 51 Cuppage Road, #07-06, Singapore 229469 to process the purchase.

Important Information:
Cost: The standard fee for purchasing an MLCB report is SGD0.50 (inclusive of GST).
Contents: MLCB reports provide comprehensive information about your borrowing history with Licensed Moneylenders. Review your report to ensure accuracy and identify any areas for improvement.
Confidentiality: Rest assured that your personal and financial information is treated with the utmost confidentiality as credit bureaus are required to adhere to security protocols to safeguard your data and protect your privacy.


At Trillion Credit, we believe in empowering borrowers with the knowledge they need to make informed financial decisions. Whether you’re applying for a loan or reviewing your credit history, understanding MLCB reports is essential.
If you have any questions or need assistance, our team is here to help. Contact us to learn more about our services and how we can support you on your financial journey.

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