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> Have you got your CTOS score yet?, Can get free now

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SUSLVL1NiNjA
post Nov 1 2016, 10:35 PM

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I registered few years back, then they asked for my IC photocopy. Am I still safe? Not intending to proceed further.

This post has been edited by LVL1NiNjA: Nov 1 2016, 10:36 PM
junsheng
post Nov 1 2016, 10:36 PM

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QUOTE(din_hook @ Nov 1 2016, 10:28 PM)
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.  sweat.gif

Actually what is CTOS main function? CCRIS I understand la but why need CTOS also? Doesnt it seem redundant?  confused.gif
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employer cannot access ur CCRIS report from wat i heard, CCRIS is only available 4 banks
CTOS function is 2 capture every bad things regarding u, like bad credit n court case

CTOS is here 2 actually prove tat u r not worthy to hire, n present all those data 2 ur future employer by a subscription fees
TSGTA5
post Nov 1 2016, 10:37 PM

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QUOTE(junsheng @ Nov 1 2016, 10:26 PM)
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
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Is it true that even after going to AKPK, clear all debts but anyhow will show in report? No wonder cos AKPK and CTOS got connection.. Makes sense now..

QUOTE(din_hook @ Nov 1 2016, 10:28 PM)
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.  sweat.gif

Actually what is CTOS main function? CCRIS I understand la but why need CTOS also? Doesnt it seem redundant?  :confused:
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Ya I also wonder that. Why have a third party company handling our records, other than selling our info.

QUOTE(silent_stalker @ Nov 1 2016, 10:30 PM)
no wonder. It says its facing alot of demands currently ( confirm k is flooding their server biggrin.gif ). Need wait 1 hour
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Ya haha. Just wait, I think they will send once done.
Mr_47
post Nov 1 2016, 10:38 PM

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olman
post Nov 1 2016, 10:39 PM

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QUOTE(JimbeamofNRT @ Nov 1 2016, 09:40 PM)
for what reason lah they want to scan our ic?

even if we want to obtain our ccris report from bnm also just need to walk in to bank negara and show your ic that's all

I very pantang if third party like this C T O S want a copy of my ic
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Same goes for interview s, usually ask for a copy of ic
TSGTA5
post Nov 1 2016, 10:39 PM

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QUOTE(junsheng @ Nov 1 2016, 10:36 PM)
employer cannot access ur CCRIS report from wat i heard, CCRIS is only available 4 banks
CTOS function is 2 capture every bad things regarding u, like bad credit n court case

CTOS is here 2 actually prove tat u r not worthy to hire, n present all those data 2 ur future employer by a subscription fees
*
Means any company can pay CTOS to get reports of any potential employee? Isn't it violation of privacy? Banks I understand la cos they giving they out loan.
junsheng
post Nov 1 2016, 10:43 PM

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QUOTE(GTA5 @ Nov 1 2016, 10:37 PM)
Is it true that even after going to AKPK, clear all debts but anyhow will show in report? No wonder cos AKPK and CTOS got connection.. Makes sense now..
Ya I also wonder that. Why have a third party company handling our records, other than selling our info.
Ya haha. Just wait, I think they will send once done.
*
tis 1 i'm not sure, but i know once u give CTOS the rights 2 access ur personal data
they can perform data mining, their business model is selling ur data n prove 2 ur future employer tat u r not worthy 2 hire

it is not their best interest to clear ur past credit info even if u have clear all the debts
SUSLVL1NiNjA
post Nov 1 2016, 10:44 PM

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QUOTE(junsheng @ Nov 1 2016, 10:43 PM)
tis 1 i'm not sure, but i know once u give CTOS the rights 2 access ur personal data
they can perform data mining, their business model is selling ur data n prove 2 ur future employer tat u r not worthy 2 hire

it is not their best interest to clear ur past credit info even if u have clear all the debts
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I have registered before but I haven't give my details. Am I still part of the breach?
junsheng
post Nov 1 2016, 10:49 PM

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QUOTE(GTA5 @ Nov 1 2016, 10:39 PM)
Means any company can pay CTOS to get reports of any potential employee? Isn't it violation of privacy? Banks I understand la cos they giving they out loan.
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I'm not sure, but when u sign up tat time did CTOS present u the T&C
i believe CTOS did not show / u guys didn't read, any sane person will not sign up with CTOS if u know tat this company is actually violating ur privacy

selling ur data 2 gain profits
din_hook
post Nov 1 2016, 10:51 PM

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QUOTE(junsheng @ Nov 1 2016, 10:36 PM)
employer cannot access ur CCRIS report from wat i heard, CCRIS is only available 4 banks
CTOS function is 2 capture every bad things regarding u, like bad credit n court case

CTOS is here 2 actually prove tat u r not worthy to hire, n present all those data 2 ur future employer by a subscription fees
*
Welp. I've attend the job interview with bank actually. CCRIS is cleared but still im worried about CTOS tho Im not register anything yet with them. sweat.gif

Who leh give idea to created CTOS if its just a nuisance to the people. Isnt they just breach the PDPA if our personal info got leak. Should sue them kaw2. ranting.gif
Faidzal
post Nov 1 2016, 10:51 PM

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junsheng
post Nov 1 2016, 10:52 PM

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QUOTE(LVL1NiNjA @ Nov 1 2016, 10:44 PM)
I have registered before but I haven't give my details. Am I still part of the breach?
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I'm not sure about this part
junsheng
post Nov 1 2016, 10:54 PM

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QUOTE(din_hook @ Nov 1 2016, 10:51 PM)
Welp. I've attend the job interview with bank actually. CCRIS is cleared but still im worried about CTOS tho Im not register anything yet with them. sweat.gif

Who leh give idea to created CTOS if its just a nuisance to the people. Isnt they just breach the PDPA if our personal info got leak. Should sue them kaw2.  ranting.gif
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If u didn't register with CTOS just leave them as it
SUSLVL1NiNjA
post Nov 1 2016, 10:54 PM

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QUOTE(Faidzal @ Nov 1 2016, 10:51 PM)
and who said you don't learn new things from /k?
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This thread is like finding a needle in haystack at /K.

This post has been edited by LVL1NiNjA: Nov 1 2016, 10:54 PM
azbro
post Nov 1 2016, 11:13 PM

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Kecian, most that comment in here dont even know whats in the CTOS report
cannyeo
post Nov 1 2016, 11:17 PM

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QUOTE(junsheng @ Nov 1 2016, 09:51 PM)
CTOS no register is better, bcauz after u register if they put wrong info regarding u
n u can't get into a company, DUE to incorrect info they sell to the company, u can't sue them, as now it is ur responsibilities to check and update them

it is a info phishing company tat only bring problems 2 u, just check CCRIS report is good enough no need 2 involve urself with CTOS
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Woah, I agree with this.

Once you're registered, and if you have any debts (including RM 1) the payable can register a complaint via CTOS, your score will drop and it's not updates regularly.
cannyeo
post Nov 1 2016, 11:22 PM

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QUOTE(GTA5 @ Nov 1 2016, 10:39 PM)
Means any company can pay CTOS to get reports of any potential employee? Isn't it violation of privacy? Banks I understand la cos they giving they out loan.
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The employer will need your consent to conduct the CTOS credit check.

We call it certificate of release.

Your full name, IC and signature.


Whatever service provider that youve registered with IC, they have such terms that they can update your credit and debts into the CTOS database. It is written in their T&C especially those post paid services. This is to protect themselves, and only they are able to clear the debt records for you.

Thus having debts recorded by CTOS really will screw you up if you want to get into big firms.

But it doesn't really affect you if you're in SME.
SUSLVL1NiNjA
post Nov 1 2016, 11:23 PM

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QUOTE(azbro @ Nov 1 2016, 11:13 PM)
Kecian, most that comment in here dont even know whats in the CTOS report
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Care to share?
-Aktan-
post Nov 1 2016, 11:26 PM

2.6b dah masuk bro
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Bodo , ccris is the main thing for loan, ctos just earn yr cash
xing87
post Nov 1 2016, 11:31 PM

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QUOTE(-Aktan- @ Nov 1 2016, 11:26 PM)
Bodo , ccris is the main thing for loan, ctos just earn yr cash
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jgn pakai hantam la duh

my client loan not approve coz got ctos from telco
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