Yes, you can go to AKPK, but once you dealt with AKPK, which the record will appear in your CCRIS, all banks will "NOT" approve any loans because you dealt with AKPK. Why do I know? I deal with a lot of banks and a lot of smart alecs went to AKPK and got their loans directly rejected.
They didnt stop using CTOS, because the government instructed them to stop using CTOS, doesnt mean they stop using. They will use it as a referral and will decline your loan based on other reasons but not on CTOS records.
Looks like its you who is lost for words. For calling people a lilttle kid, look at your own statements above. You wanna sue the banks for defamation for blacklisting a loan defaulter? Which "tempurung" are you from and what law do you apply? Law Of the Jungle?

CTOS is actually wildly inaccurate and frankly not something to be concerned of.

i find it funny everyone here arguing about CTOS like its the worse thing ever, CCRIS is the one you should be worried about.