Everybody has a credit score. But not everybody’s looking at the scoreboard. Credit Bureau Malaysia (CBM) wants to change all that. A borrower with a high credit score means he is more likely to repay a loan, which technically means he should be able to access better rates from the bank. Problem is, banks give the same rates to all customers, unless you borrow a really large sum. That’s where CBM comes in. A print campaign with Gan4Hire.