there are no valid reason for you to update your sensitive data with CTOS. they are 3rd party , CTOS DATA SYSTEMS SDN BHD http://ctoscredit.com.my/

Well said

NEVER share your sensitive data with 3rd party company like C TO S

So....how to get proper credit report from BNM?

Alamak I already gave them the info huhu. You can walk into any Bank Negara branch.

Anyway I got the report from Ctos already, so far so good. Very accurate their data, from what card you own, car loan, study loan, with balances, any payment outstanding.

Total score is 850.

I wonder how they managed to get such info, from Bank Negara? So means they share database?

go bank negara, put in IC in2 their kiosk tumb print,
instantly get ur ccris report

.......-.- The nearest bank negara branch in sarawak....is at kuching......I am located between Sibu and Miri leh

Seems like can request Bank Negara to send your CCRIS report to you. Just now I just browse their website.

Wah, need to fill up so many form, go to post office and pos it....then wait for the stuff to arrive?

Damn.....then what is the purpose of those fancy UTC building?

No need Bros.

If you're a good pay master, no worries.

This exclude fraud that you are not aware of

Haha you know I know la. So that can sing UTC song.

But seriously UTC quite convenient nowadays, can get most gov agency in one building.

bank is providing them with ur ccris report i heard, what i know is u can ops out of it, by getting lawyer letter sue CTOS
i have a friend done it before when he can't get business loan and citing CTOS problem
in the end found inaccurate data, and sue them for compensation

now u r fucked as any company which is subscribe 2 CTOS will know ur financial status, it can even affect ur negotiation power
if ur future employer know u r desperate, tis is wat i heard from friend due 2 his lawyer, CTOS has no respect of ur private information n they make money out of that

This post has been edited by junsheng: Nov 1 2016, 10:14 PM

Actually I want just curious about my score. I got my score 811/850, so I hope to maintain this as high as possible.

what am i suppose to see here... all i see 0, non n no matching records.

Wished I read your post before registering but now rice has turned to porridge so yea..

But it's okay la, I won't change company any time soon hehe.

I did checked through my CTOS report just now, very accurate. In fact I felt like there is a "spy" who knows what my liabilities are.. Scary.. But that is what Bank negara is supposed to do right..

This post has been edited by GTA5: Nov 1 2016, 10:19 PM

Have you receiced the report from them via email?

There will be a first email informing you about the registration.

The second email contains your report. That is the one you want to see.

ooohhh... need to pay rm25 to get the score is it? if not just get summary?

Nope I didn't pay a single cent.

They did mention they will email you the report after some time. Maybe need to wait awhile.

bank negara is maintaining CCRIS report only, CCRIS is actually good enough as if u are out of debt ur report is only keep for 12 months
but CTOS no, it is lifetime report, no matter fraud / u r out of debt, ur future employer is going 2 have doubt of u when they saw the report
they say it is a system that always shot arrow at ur keens n does not give u any chances of survival

so CTOS is helping u? it is a joke, if u have financial problem go 2 AKPK

Seem valid. Went to interview last week, they said they will runs a background check including CCRIS. Got myself cleared no problem dunno about CTOS tho. Finger crossed its ok too lah.

Actually what is CTOS main function? CCRIS I understand la but why need CTOS also? Doesnt it seem redundant?

no wonder. It says its facing alot of demands currently ( confirm k is flooding their server ). Need wait 1 hour