Ace that credit score!

New product: Loh (left) and Chin at the brefing. CTOS is in the product development stage to ascertain credit worthiness of thin-file clients – those who do not have credit history, or clients who are new to the working force.

BILL, a sales executive, is currently financing a car loan and has a credit card, which he uses frequently on shopping and dining.

Recently, he decided to buy an apartment.