QUOTE(Takuhiro @ May 24 2010, 08:20 PM)
Hi Guys,
My credit card application has been rejected twice
- my p.a income is around 36k+
- Salary is deductible if i take more than 1 day of mc so my payslips will look awkward.
- I've missed payments for my car, which im clearing up. It's not much, but i usually wait to pay bills at the end of the month.
- I've no previous bad credit history unless they take into account my phone bill which i pay every end of the month too, which is usually late lol.
So any guesses as to why my applications got rejected? If yes what can i do to improve the rating.
For the 3 links of credit rating sites can i call/fax/email to get my rating without having to in person.
Help much appreciated, thanks.
Missed car loan payments already enough to create bad rating in your credit report and it will stay in your report for 12 months.
You can request for your credit report by sending necessary documents to BNM.
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3) If you are from outside of Klang Valley or our branches, you may apply for the credit report by completing and sending us the following:
Please complete and send us the following:
* Credit Report Request Form (CRR);
* Loan Declaration Form;
* A clear photocopy of your MyKad (both sides); and
* Any combination of two other documents (with your name and address stated clearly on each copy) from the following:
o Driving licence;
o Passport;
o Water bill;
o Electricity bill; or
o Telephone bill.
However, if the above documents are not available, you may provide alternative documents such as:
o Bank account statement;
o Credit card statement; or
o EPF statement.
The Credit Report Request Form and Loan Declaration Form are available from our website, creditbureau.bnm.gov.my or click
here to download the form
taken from
here This post has been edited by roy918: May 24 2010, 09:20 PM