CTOS drive to educate, create awareness among customers on managing credit ?

nope it is AKPK, CTOS just want 2 have ur info registered in their database nothing is free, after u registered they sell ur info 2 companies

if u got bankruptcy or finance issue go akpk they help u, if go CTOS they register in2 their system n now u cannot get a job anywhere
CTOS help u? ahahahahhhahaha it is a joke

This post has been edited by junsheng: Nov 1 2016, 09:46 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

go bank negara, put in IC in2 their kiosk tumb print,
instantly get ur ccris report

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

This post has been edited by junsheng: Nov 1 2016, 10:14 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

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

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

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

I'm not sure about this part

If u didn't register with CTOS just leave them as it

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

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

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

ask the telco company what happened, or get financial advise like AKPK to check your CTOS status
if u didn't register CTOS, u still can sue CTOS for defamation demanding them 2 delete wrongfully parts

CTOS will not delete any wrongfully parts of ur report even if u show evidence it will still show with citation, unless u issue legal letter
once u r tainted u can't go back already.

when bank have access to ur financial info it does not create any problem, as bank will know if u r capable or not to service the loan it is kinda mutual beneficial
but a future employer will not, upon looking at ur CTOS reports they will know how desperate u are diminishing ur negotiation power
n let me tell u, every1 deserve a chance no matter what they did in the past, if u have declared bankrupt b4 due to business, u still deserve a chance to work
a CTOS report does not prove that u will be a thief in future, but somehow employer think so
many will give in and register, but i will not