score:5
Assuming you have a single ticket connecting through Singapore, you are eligible for VFTF and do not need a Singaporean visa.
ICA is the official site of Singapore Immigration and is authoritative here. VFS is a commercial visa service and their page doesn't directly contradict the ICA site, they just don't mention the VFTF at all.
Obligatory note: you're not guaranteed to be granted the VFTF, but the worst case scenario is that you spend 10 hours on the airside at Changi. Having an easily explainable plan for what you're going to do in Sg for ten hours would be helpful.