www.creditbureau.com.sg can give a free report.

sugg: Better terminate citi credit card to clean up the report. But reapplying would take time.

When you apply for a loan, if you show income without credit card, you will appear risky as a borrower. Lender would hesitate to lend to you since there’s no track record. It’s better to get a credit card, use it a few times, then apply for loans.

The number that affects your max loan amount is the column-wise total of “unsecured” column of the AggregateMonthlyInstalment table. In my case, I happened to have $50 minimum payment for HSBC card. This $50 went into my total.