aha

Some ppl just dont understand CTOS

AND BLAME CTOS....Kecian...CTOS / CCRIS didnt do anything...except highlight the obvious when there is an interested party that request it.

It is YOU that mess it up by giving ppl bounce cheques, or Name also can be wrong, or have legal issues in court when employer asking you dun care or falsify info or having business trades and having directorship that you current employer dunno about and conflicts with business code of conduct, have cars and properties well beyond your pay grade (become suspect of stealing). And asking for loan but payment very bad to other financial institutions.

When interested party wants to know, they will know, and they wont say they get that info from where, they can just check back with the source and get more evidence.

Sendiri buat susah blame other ppl

If your record is clean you dont have to worry about anything else, except someone using your identity to buy somethin like example Car. That info you can get from CCRIS (if you dont want to register with CTOS), or get the latest paid complete report from CTOS (which includes CCRIS as well)

CCRIS and CTOS are not the only services where Financial institutions and Employer get their info from. Got a few other as well.
I believe banks and telcos got their own versions. Its just that when you get black listed and CTOSed, you blame CTOS for it, when actually CTOS got that info from other sources.

This post has been edited by azbro: Nov 2 2016, 12:09 AM

but most of the time is cases like u cancel the subscription they still send u bills, it is impossible to cancel, remember P1?
or cases like conflict with employer which land u a defamation? if u didn't register CTOS u no need to take care n make sure ur report is valid, just sue them
after register u have to make sure ur report is valid n CTOS sell ur info to make profit, in the end u r idiot

CCRIS, just make sure u pay ur loan and cards no need to maintain

correction, u can blame CTOS, but CCRIS is solely ur own fault

Firstly employer or financial Institutions whatever, where get info, they will not tell you.

P1 issues black listed even after termination (same even have written evidence), need to settle with P1.
Good thing at least you and other ppl know there is an issue there.

As I said, this kind of services not only CTOS provide, an Employer can just say they got a Private Investigator to check out your properties, Legal issues which is conflict with the company. Banks and Telcos also got their own systems, that might show up in CTOS too

No one is forcing anyone to join, Register or not register, Ctos or not CtoSed for black listed, interested party will know. If not from CTOS, from other sources. But too bad, CTOS is so efficient, which could be good too, depends on different views.



Dem, now I spokesman with CTOS oledi, CTOS need to give me discount for my next report

This post has been edited by azbro: Nov 2 2016, 12:26 AM

the problem is, it won't clear up in your CTOS report even if u have written evidence
as a employer, 2 candidate show up, one with blank cases another with cases but it has been clear up with evidence

in ur opinion i will hire? well CTOS always put u in great disadvantage

Thats why bro, to play the game you need to know the game...

I every year get report from CTOS to know I'm clean, but yes, not everyone can say that.

But if you know you got black mark in CTOS, you will die die try to clear it up.

But wait, how can Employer know you got Blacklisted when you havent even Register with CTOS...aha...

So best is registerlah

nah, if u got black spot clear up it is still black spot with a citation clear up already
they won't clear ur report no matter how unless lawsuit, but if u register already i believe it is very hard
it is not their best interest to clear your report no matter what reason

btw unregistered CTOS report is not accurate up to a level i can't believe it / empty, i have seen the report b4 to make this conclusion
if u go register, i heard basically u r giving them rights to dig your info, no sane ppl is going to buy the rock and throw at their own leg

I was previously a credit officer approving loans. I used such reports like CTOS and CCRIS to appraise loan applications. From the best of my knowledge to get into CTOS is a lot easier that getting yourself released even if you had settled your case or discharged. They are third party collecting data on you without your permission. What interest is it for them to cleanse you when they can sell your data to third interested party.

One very simple example is anybody initiate litigation against you. Rightly or wrongfully. If the writ of summons gets publicised in any newspaper, CTOS will pick it up and file it in your personal record for future reference. More so damaging if a judgement order is obtained. Your credit rating goes downhill from there. Even if you win the case, your negative remarks remains under CTOS. Total removal of the black mark is virtually impossible.

I would stay clear of CTOS any way I can. The least info they have on me the better.

Thanks for the sharing bro

After reading all the comments, since I already stupidly registered for CTOS, after this have to be really careful about my credit rating already.

Yesterday I saw the new, I thought, Owhh can get free ctos report why not..huhu..

Will edit in first post.

info

http://creditbureau.bnm.gov.my/reportobtain.html



If you are requesting a credit report personally at BNM LINK, Head Office or Bank Negara Malaysia Regional Offices/Branch, please bring along your MyKad and any other supporting documents that can verify your identity such as your driving licence or passport. The credit report will be given to you during the visit.



If you are requesting a credit report via correspondence, you may apply for it by completing and sending 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:

Driving license;
Utility bills such as water bill, electricity bill, telephone bill or ASTRO bill;
Bank account statement;
Credit card statement; or
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 [PDF, 26K]



Please mail, fax or email the completed forms and supporting documents to BNMTELELINK, Bank Negara Malaysia at:

BNM TELELINK

Jabatan LINK dan Pejabat Wilayah

Tingkat Bawah, Blok D

Bank Negara Malaysia

Jalan Dato' Onn

50480 Kuala Lumpur

Fax No: +603 2174 1515

Email: bnmtelelink@bnm.gov.my

Thanks bro

AFAIK telcos are using C TO S for verification purposes. every query are chargeable.

Most welcome.

You shall get something like this when you apply for your credit report

So meaning when Telco check blacklist means it is checking from CTOSlah?

Example:
https://forum.lowyat.net/topic/3738408/all

Meaning when I check Telco blacklist, like here:
https://mcredit.u.com.my/microcredit/epsmf/...?execution=e1s1
If I can proceed means not blacklist, means the Telco has checked with CTOS before I can proceed?

What If I didn't register with CTOS, means Telco cannot check I blacklisted?

AFAIK Bank Negara database is solely for their own

-----------------

Isn't it scary when 3rd party company keep track on your financial info?

and best thing is, any company that register with ctos and share your info with ctos can check on your account as well by key in your ic number.

From what I heard, due to abuse of the system you can't longer check either you are blacklisted by telco or not using this url
https://mcredit.u.com.my/microcredit/epsmf/...?execution=e1s1

They are using CTOS

The installment programme is under AEON Credit.



ask anyone who are blacklisted and use their IC number, or better still, create any ic number and key in the details.
definitely you can proceed with the online registration.

approval is another matter altogether.

-------------

AFAIK you can still check either you are blacklisted or not at telco center

-------------

but no worries your IC number won't be in the system in CCRIS. CCRIS only for banking institutions that register with Bank Negara.

This post has been edited by JimbeamofNRT: Nov 2 2016, 09:18 AM

Funny this thread

1) When you give IC to check you didn't cross it?
2) Ppl saying that they got to know that they are CTOSed blacklisted when they tried to apply loan
3) But advice not to register to CTOS because they will know your data, of course they know your data, if not how company knows from CTOS you are blacklisted?
4) Now you really dunno if you are OK or not because you never join CTOS but get blacklisted from it, but blame CTOS

Now become checkmate for the person.

Wanna register CTOS, /k advice not to, but how to check if blacklist or not? Because other ppl know we are blacklist without even us knowing.
So, OK, cleared one blacklist, but is it still blacklist? or got other issue somewhere else? Probably another blacklist?

So better than blame CTOS for providing and getting your latest up to date info, better blame the financial, Telco, employer whatever for using CTOS to check you without even you knowing you have that kind of information available to them

It is good to check once in a while your credit standing with CCRIS.

one of my friend kana many years ago. somebody use his copy of ic to apply for personal loan. not much lah rm 5K but still... lucky got insiders. end up case closed due to internal investigation. took 3 bloody months to clear the name from the system ( after pulled some strings . )

now perhaps a bit susah lah since one need to verify thumbprint and all but as long you are dealing with the system, anything can happened.

PDPA is not applied to them , must be kroni kompeni this BS CTOS