Iskandar(Name changed to protect client’s privacy)

Backstory

Iskandar was dealing with multiple financial setbacks. Several banks had suspended his accounts due to over-limit credit cards and unpaid balances that exceeded his monthly income. Despite trying to apply for loans on his own, he kept getting rejected — with no clear explanation from the banks.

Challenges

Every rejection came without guidance. Iskandar didn’t know what the banks were looking for, and the brokers he previously engaged simply submitted applications everywhere, without a real plan. Some even promised wildly different amounts just to keep him onboard — from S$10K to S$1M — which only made his situation worse by affecting his credit report.

How We Helped

We took a completely different route. Before submitting anything, we sat down with Iskandar to understand his profile. We advised him on what needed to be fixed and where he stood a real chance. If he wasn’t eligible, we told him upfront — no empty promises, no fees. Together, we rebuilt his credit rating from HH to AA in just 1.5 months, giving him the foundation he needed to qualify for financing.

• Identified the root cause of credit issues
• Gave clear, actionable steps to improve his credit standing
• Avoided unnecessary applications that could damage his score
• Communicated reasons behind each outcome
• Raised his credit rating from HH to AA within 6 weeks
• Only submitted to banks where he had a high chance — no fluff

Result

With his credit health restored and a focused application strategy, Iskandar successfully secured a S$120,000 personal loan. He now has a solid financial footing, improved banking relationships, and the confidence to plan his next steps wisely.