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> CTOS - Personal Credit Report, Has anybody bought the report?

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TSmaxizanc
post Sep 28 2016, 10:39 AM

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QUOTE(fantasy1989 @ Sep 28 2016, 10:22 AM)
link to paid and get access for both side?

thanks in advance
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Updated first page
benlye
post Sep 28 2016, 10:44 AM

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QUOTE(StupidGuyPlayComp @ Sep 28 2016, 10:18 AM)
Thats one only CTOS report, exclude CCRIS

CCRIS need pay
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Does the free report given by CTOS every year include CTOS Score?
No. The free report only shows basic credit information. We encourage you to buy MyCTOS Score report as it will contain your detailed credit information, which includes Banking Payment History (CCRIS & DCHEQs) and score.

This is from the FAQ
azbro
post Sep 28 2016, 10:47 AM

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QUOTE(fantasy1989 @ Sep 28 2016, 10:22 AM)
link to paid and get access for both side?

thanks in advance
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Need to register first:

https://ctosid.ctos.com.my/ctosid_new/SimpleRegister

Takes about 2`3 days to activate. Whatever it is, dun forget the password.
gabriel.l
post Sep 28 2016, 10:49 AM

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If I have the time to go to kiosk will defenitely do it.
This method much more easier for me.

Duduk rumah, click click and get report.
zulwaqar
post Sep 28 2016, 10:54 AM

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my report ready. They emailed me just now.
benlye
post Sep 28 2016, 10:56 AM

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QUOTE(zulwaqar @ Sep 28 2016, 10:54 AM)
my report ready. They emailed me just now.
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how long?
Tiaso
post Sep 28 2016, 10:56 AM

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QUOTE(azbro @ Sep 28 2016, 09:21 AM)
Yes you are right

But you have to travel there, find a parking space, walk all the way to the kiosk, then you get the know the kiosk all not operating, line up at the receptionist, register your name, wait for your turn, then get the report.
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ok, that's a cruel reality doh.gif

QUOTE(Crovoseas @ Sep 28 2016, 09:31 AM)
Bought one before ar rm10. I poorfag. Nothing much show on the report.
2 entrance/exit. Find the one farther distance to ktm/lrt one. Park/stop ur car opposite the road outside bank negara entrance/exit, there's a bus/taxi stand.

The building where the kiosk is located is just right side after guard house. Few kiosks in the building. I done the whole process less than 10 mins, start counting when step out from car.

Just bring ic. Better if someone wait in car.
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oh? thanks. the kiosk is located outside? can get on weekends right.
one punch man
post Sep 28 2016, 10:59 AM

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https://www.mycreditinfo.com.my/
full ccris with credit scoring, rm10 for the plus report.
now everything online. no need waste time travel anymore. their verification quite fast, with full supporting doc, within a day or 2 can get the full report

This post has been edited by one punch man: Sep 28 2016, 11:00 AM
takr
post Sep 28 2016, 10:59 AM

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I got mine from RAMCI @ https://www.mycreditinfo.com.my/ for RM10.

Report contains:
RAMCI i-Score (Credit Score)
Banking Information (CCRIS)
Skim Potongan Gaji Angkasa (SPGA),
PTPTN
Trade References (Non-Banking Info)
Litigation History and more. ** Similar to CTOS

zulwaqar
post Sep 28 2016, 11:00 AM

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QUOTE(benlye @ Sep 28 2016, 10:56 AM)
how long?
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Paid around 8:47 am. Report ready around 10:20 am via email.



Zaryl
post Sep 28 2016, 11:02 AM

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you can request CCRIS report delivered to your email like i used to do last time.

Just fill in & provide the following document and then scan email to BNM.

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:


Driving license;

Utility bills such as water bill, electricity bill, telephone bill or ASTRO bill;

Bank account statement;

Credit card statement; or

EPF statement.

i got it within 2 weeks though.
netmatrix
post Sep 28 2016, 11:07 AM

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QUOTE(azbro @ Sep 28 2016, 08:30 AM)
Last year I bought mine in April this year for RM10 during promotion period
The free one is CTOS report only, the paid one includes CTOS and CCRIS. So I no need to Bank Negara for CCRIS.

Not sure the latest one.

Wow..now its RM25, I'll wait when they have offer of RM10 again...I hope they will still have it...but I think RM25 is too much.
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If you are looking at it just for fun, yes RM25 for paper is expensive. But if u phobia someone misuse your identity or u intend to keep your business rep good, then RM25 is good investment.
ShinG3e
post Sep 28 2016, 11:15 AM

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every june and december u will receive free reports.

pay rm20/25 to receive updated report as per the date you pay for it.

this piece of paper you may include it for your next house loan, car loan, etc whatever loans to support your application.
benlye
post Sep 28 2016, 11:16 AM

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QUOTE(zulwaqar @ Sep 28 2016, 11:00 AM)
Paid around 8:47 am. Report ready around 10:20 am via email.
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Thx smile.gif
Newsray
post Sep 28 2016, 11:26 AM

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People just dont realize that it is not the dispute eg P1 or your gym centrr or your mispayment for few days.

It is the financial that matters, fix deposit and cash flow.

Try put few hundreds thousands in FD and you will see strange call from bank offering personal loan 20k, what a joke. You see sometimes it is not about dispute unless you have bad ccriss. You have good monthly income and good saving, the bank looks no further and definitelt not some stupid dispute like gym or telco.
wodenus
post Sep 28 2016, 11:36 AM

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QUOTE(takr @ Sep 28 2016, 10:59 AM)
I got mine from RAMCI @ https://www.mycreditinfo.com.my/ for RM10.

Report contains:
    RAMCI i-Score (Credit Score)
    Banking Information (CCRIS)
    Skim Potongan Gaji Angkasa (SPGA),
    PTPTN
    Trade References (Non-Banking Info)
    Litigation History and more. ** Similar to CTOS
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All the banks use CTOS.. so it's not like RAMCI is even relevant smile.gif

sharpman
post Sep 28 2016, 11:41 AM

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QUOTE(Zaryl @ Sep 28 2016, 11:02 AM)
you can request CCRIS report delivered to your email like i used to do last time.

Just fill in & provide the following document and then scan email to BNM.

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:
     

Driving license;
                   
Utility bills such as water bill, electricity bill, telephone bill or ASTRO bill;
                   
Bank account statement;
                   
Credit card statement; or
                   
EPF statement.

i got it within 2 weeks though.
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can tell where to download those forms and what email address to email to?
Davez89
post Sep 28 2016, 11:47 AM

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QUOTE(Hi! @ Sep 28 2016, 11:38 AM)
Wow, what you hutang until 75 delays? Nearly 6 years man!
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Bodo, itu sample.

Btw guys don't buy the rm25 score
benlye
post Sep 28 2016, 11:49 AM

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http://creditbureau.bnm.gov.my/reportobtain.html
joe_kopitiam
post Sep 28 2016, 11:49 AM

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QUOTE(Ginta0516 @ Sep 28 2016, 08:57 AM)
If for PTPTN.. I pay consistently every month but lesser amount.. does that considered bad?
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YES. if u cannot afford the monthly installments, need to revise the payments with PTPTN.

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