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

Most welcome.

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

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.

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

Yaya, I read through my free report from CTOS it also looks similar like this.
Ya i agree. Better check once a year to ensure no one misuse our IC.

I always make it a point to cross out IC whenever they need a copy. But sometimes no matter how careful we are, anyone can be a victim of fraud.

I believe by regularly checking our CCRIS / CTOS score, we can gain a wholesome picture of our financial "health".

Just like how we are encouraged to do a yearly body health check to detect any diseases early, this is like a financial check to make sure we are financially healthy.

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..

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.

bro, have you take your morning coffee yet?

in order for you to register with CTOS, you need to send them copy of mykad front and back
https://www.google.com/url?sa=t&rct=j&q=&es...a8QFUS0NIeNiAXA

if you go register at their office they will ask for your IC and scan it. NO CROSS BRO.

of course you can check your credit standings with CCRIS Bank Negara.

the issue here right now, who give permission for 3rd party company like CTOS Data Systems Sdn Bhd to collect our sensitive details?

do you know what they can do with your details?

you got this?

Same goes for interview s, usually ask for a copy of ic

Register or not register, they will still have you data, so now you are questioning the company?

But what about other Personal Credit Report company? Like RAMCI

Better you complain about such things to the relevant authorities to take action against them and post your feedback here.
I'm also interested to know

I poked through the CTOS FAQ - it mentioned Credit Reporting Agencies are legally empowered by the Credit Reporting Agencies (CRA) Act 2010 to collect and obtain information about you.

You may refer to the summary of the act CRA 2010 here:
https://www.creditbureau.com.my/DownloadAre...OF%20RIGHTS.pdf

Its a summary not the Act itself ya ^

It is just a report of what you did in the past/current

why so panaroid to look at ur own report kakaka

It is just a report of what you did in the past/current

why so panaroid to look at ur own report kakaka

Bro, in this thread we are far far oledi

Now ppl are asking more like Why need to give latest info or IC to them?

And once they have this report, how will they treat it? after all, in the end, its humans that are controlling everything.
When the human factor is questioned, it becomes very subjective oledi.

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.

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.

Well said.