I also having ccris problem...Go to Bank Negara put in my IC get the record my car, house (still under paying interest) n ptptn all 12 month is 0. CTOs score slightly better den the middle in yellow color. But not sure why cannot successful apply any credit card.

I recently managed to get a car loan for my vios, even when I'm blacklisted by CCRIS for ptptn issue. Go to BNM, there's a kiosk to print out the CCRIS statement. This way, u'll know who else u're owing money to. It's very easy. Just need ic to use at kiosk. Nobody will see except u.

If u can get rejected by bank for such a cheap car, even when u say u got good salary, then it means u really owe banks lotsa money

Wow got one car need another one. Lol nobody use credit card to take credit. I always have a few credit cards, then if I can't pay, balance transfer to aeon credit for 6 mths 0% installment. That's the purpose of aeon credit card.

Oh grabcar. Then that's the big problem. Is grabcar earnings your main income or do you have a main income besides grabcar?

To keep the story shorter, have to go to BNM to get the CCRIS statement?

This means to say u owe alot of financial institutions and u're not paying the monthly schedules required.

Like ptptn, they say once blacklist on CCRIS, u can't buy car or house, which is not true. All u need to show the financial institutions is that u are paying monthly schedules, and in fact is paying more than the required amount.

Go check with the list. There's ntg to be afraid of. Once u print out the statement, u'll know how long is the queue to your pocket money.

Ptptn tunggakan?

Bukan peminjam PTPTN.  

Haven't. Didn't managed to make my way last friday.
Is there any other way than going to that kiosk?
Afraid of something that I really missed out, and it pile up until can finish my saving with One Wipe.
But yes, I have to agree, less debt less headache.

Personal loan, cc?

you have overlooked post #3

go to the following link to register. you can get your first credit report for free

https://ctosid.ctos.com.my/ctosid_new/SimpleRegister

you can also download the ctos mobile app and register using mobile phone

Personal Loan Aeon, 5K, berbaki 2K+-.
CC, Citibank. should be paid off last 2 years as no longer using. Card cropped into 2.

Curiosity kill really. Must make my way for CCRIS report by BNM.
Better safe than sorry later.
26YO already encounter Financial Issue.     

go bank negara, pakai kios machine print out diy.. did that?

I've done this earlier. And my score at 685/800.
Should be all G2G.

Another way is to get it online. Some guys gave u links already. But this one, ppl can see. Ownself obtain, only u can see.

i kena CCRIS due to my ptptn loan
i paid inconsistently through out the year, passport never been blacklisted

when i want to buy new car this year, the bank officer i had outstanding loan
he is not sure which or what type of loan, he said my name is listed in CCRIS

i had to pay off all the outstanding (use epf easier) before he can approve the loan

I recently managed to get a car loan for my vios, even when I'm blacklisted by CCRIS for ptptn issue. Go to BNM, there's a kiosk to print out the CCRIS statement. This way, u'll know who else u're owing money to. It's very easy. Just need ic to use at kiosk. Nobody will see except u.

If u can get rejected by bank for such a cheap car, even when u say u got good salary, then it means u really owe banks lotsa money