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“Fast-paced and authentic. With characters that are colourful and believable. There are not enough tales like this.”
Michael Arnold
“Straight into the action, fast-paced and authentic. This story captures all the confusion, fear and excitement of battle. It will appeal to anyone who enjoys historical adventure novels." - God's Vindictive Wrath by Charles Cordell
Michael Arnold
“The Devil can cite Scripture for his purpose, Sergeant,’ Anthony Payne replied. ‘That is from The Merchant of Venice, but it holds great truth.”
Michael Arnold, Hunter's Rage
“retorted. ‘For we fight to liberate our liege lord from the influences currently clouding his judgement.’ He paused. ‘Do we not?’ ‘Aye . . . we do,’ the villager replied. The officer, seemingly satisfied with Archer’s display of loyalty, reached out to the left and handed his helmet to one of the two trumpeters that rode with”
Michael Arnold, Traitor's Blood
“Know Singapore’s Credit Bureau to Get License Money Lender Approval

Do you ever wonder how a licensed money lender like banks get the information they need to decide whether they will approve your loan or not? In this article, you’ll know the Credit Bureau Singapore (CBS) role on the moneylenders’ process of lending money.

History of CBS

Association of Banks in Singapore (ABS) and DBIC Holdings owns CBS. It was founded on November 15, 2002, and its key role is to serve as a financial risk management tool for financial institutions. Among CBS founders’ are Citibank, United Overseas Bank (UOB), Development Bank of Singapore (DBS), Oversea-Chinese Banking Corporation (OCBC), American Express, ANZ, Maybank, HSBC and Standard Chartered Bank.

Key Role of CBS on Licensed Money Lender Loan Approval

The CBS is a private company established to help financial companies and credit card institutions to evaluate the threats and opportunities of giving credit to possible or current customers. To put simply, when you apply for a loan, the CBS gives the licensed moneylender your credit report. This credit report reflects your credit information such as credit history, repayment track, and in some cases default records, lawsuit, and bankruptcy reports. This valuable information is collected from financial institutions and other public data resources (like subpoena and data of bankruptcy) which is part of CBS.

The Banking Act allows the CB to get such customer’s confidential data and produce a “complete risk profile.” CBS follows a stringent code of conduct to protect the consumer’s data privacy. Only the official members of CBS can access and use the credit information. Licensed money lender should not disclose any information about their clients’ credit background to any third party. The CB also cannot collect customer’s personal data such as contact numbers, home address, credit limit, and salary.

Now that you finally know who helps licensed money lender to decide your loan’s approval, you should now know that borrowing money is not as simple as it sounds. Multiple agencies are working together to check whether you are worthy of the money.”
Michael Arnold

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Traitor's Blood (Civil War Chronicles, #1) Traitor's Blood
566 ratings
Hunter's Rage (Civil War Chronicles, #3) Hunter's Rage
231 ratings
Assassin's Reign (Civil War Chronicles #4) Assassin's Reign
196 ratings
Devil's Charge (Civil War Chronicles #2) Devil's Charge
282 ratings