Hi all, im seeking advice on this issue. Please no negative remarks and all cause i know i messed up. I have an outstanding amount of $10K from DBS cashline which i will be finacing via debt consolidation loan, note that i have not defaulted or had any late payment for any of the bills but however for some reason my credit reports seems to be 'HH' which is the highest grade. I have just gotten my BTO and I have already DIY most of my stuff so i dont have to incur any additional fees, but i still require funds for BASIC furniture / kitchen renovation. Banks have rejected all my renovation loans is there any other alternative? I need a roof over my head. Dont judge please. thank you..