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.