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.

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.