Hi, I will like to seek advice for you guys here. I have applied for Housing Loan with one local bank but Credit Bureau check failed... I have a credit card outstanding amount of 30K+ over last 2 years and fully settled in January this year. May i know what can i do? Contact credit bureau? I am in wit's end as i am going for my flat selection with HDB this month and afraid that i am unable to take up any loan and forfeit my chances... My husband has a good and clear credit history. I am the one with the problem, please help as i dont wish to lose my flat.... Thank you