What Can a Moneylender See in Your MLCB Record? Read your own MLCB file
Your MLCB record covers your borrowing from licensed moneylenders in Singapore, not your credit generally. When you apply, a licensed moneylender checks the Moneylenders Credit Bureau (MLCB) to see your outstanding moneylender loans, whether instalments that have fallen due were paid on time, and any pending unsecured applications. It does not hold your bank credit facilities or deposit information. Below: what it shows, how to get your own copy, and how to correct it. What is an MLCB record, and what does a licensed moneylender actually see when they pull it? An MLCB record is the borrowing information held by the Moneylenders Credit Bureau. When you apply to a licensed moneylender in Singapore, the lender sees your outstanding loans with licensed moneylenders, the name of each licensee, whether due instalments were paid on time, and your pending unsecured loan applications (as of September 2026). The borrower-facing version of this information is called the Loan Information Report. What the Loan Information Report contains Under Rule 22F of the Moneylenders Rules 2009, the report includes (as of September 2026): your full name, including aliases your personal identification number your nationality the licensee name for each outstanding loan whether each repayment instalment that has fallen due was paid on time your share of the outstanding loan amount, including interest, late interest and fees the aggregate outstanding secured loan amount, with and without interest, late interest and fees the aggregate outstanding unsecured loan amount, with and without interest, late interest and fees the aggregate amount of pending unsecured loan applications the date and time the report was requested A credit report requested by a lender is a different document under Rule 22E, covering identity, employment status and income over the three months before the month of application. What it does not cover The MLCB holds loans and repayment information from licensed moneylenders. It does not collect borrowers’ bank credit facilities or deposit information, and it does not make lending decisions on a lender’s behalf. Is my MLCB record the same as my Credit Bureau Singapore (CBS) credit report? No. The MLCB and Credit Bureau Singapore are separate reporting systems covering different lenders, and you may have information in both. Requesting one does not give you the other. MLCB CBS What it covers Loans from licensed moneylenders Credit facilities reported by member financial institutions: credit cards, HDB loans, mortgages, motor vehicle loans, personal loans, debt consolidation loans Borrower’s report Loan Information Report Credit Report Operated by Credit Bureau (Singapore) Pte Ltd Credit Bureau (Singapore) Pte Ltd Framework Moneylenders Act 2008 and Moneylenders Rules 2009, administered by the Registry of Moneylenders, Ministry of Law Financial sector credit reporting framework Enquiry line (as of September 2026) 6335 3897 6565 6363 The same company operates both, which is where the confusion starts. Your HDB loan or credit card sits on the CBS side; a licensed moneylender loan sits on the MLCB side. How does what’s in my MLCB record decide how much I can borrow? Unsecured borrowing limits apply across all licensed moneylenders combined, and the MLCB is how a lender sees what you already owe. As of September 2026, Singapore Citizens and PRs earning below S$20,000 a year may borrow up to S$3,000 in total; at S$20,000 or more, the limit is six times monthly income. Foreigners residing in Singapore face lower tiers: S$500 below S$10,000, and S$3,000 from S$10,000 to below S$20,000. Secured loans have no cap. Worked example: how an existing loan reduces what’s left Take a Singapore Citizen earning S$3,000 a month. As of September 2026, six times monthly income gives an aggregate unsecured limit of S$18,000 across all licensed moneylenders combined. If the Loan Information Report shows S$7,000 outstanding with another licensed moneylender, roughly S$11,000 of that S$18,000 remains. A pending S$2,000 application with a third lender also appears on the report, so the next lender sees it before deciding. One detail decides that arithmetic. Under Rule 21, the outstanding amount used in this calculation excludes interest, late interest, and fees — so principal is what counts against your limit, even though the report displays balances inclusive of both (as of September 2026). These figures are arithmetic, not an offer. Approval is subject to the lender’s assessment of your income, existing loans, and repayment ability. Supporting documents such as payslips or an income tax assessment may be required. Can I check my own MLCB report, and how do I get one? Yes. Section 77 of the Moneylenders Act 2008 requires the designated credit bureau to give any person their own Loan Information Report on request. As of September 2026, it must arrive within one business day unless another period is prescribed, and may be delivered as a physical copy for collection, by registered post, or by email. A transaction fee of S$0.50 applies (as of September 2026). The Act does not make Singpass a legal requirement, though the online self-service process may use it for identity verification. Check the MLCB portal for the route that applies to you. How do I read my MLCB report — what does each part mean? Your Loan Information Report covers four things: who you are, what you owe to licensed moneylenders, how those repayments have gone, and what you have applied for but not yet drawn. Two parts are easy to misread. The aggregate secured and unsecured figures are totals across all licensed moneylenders, not the balance with any one lender. The pending unsecured loan applications figure covers applications still in progress — one you forgot about still shows. How long does information stay on my MLCB record, and can I correct anything? The Loan Information Report covers loans not yet fully repaid or terminated, plus pending applications, so a fully repaid loan is not part of the outstanding-loan component. Separately, a licensed moneylender must keep the credit report obtained for a loan for five years after that loan is repaid or the contract is terminated (as of September 2026). That five-year rule is a lender’s