CCRIS Issue., How to Deal With It.
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 Dec 27 2016, 07:05 PM
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Junior Member
425 posts Joined: Oct 2009 
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QUOTE(Awakensoul @ Dec 27 2016, 06:36 PM) That online link they gave u, u will liaise with a person who will obtain the statement on ur behalf. The person will look ur statement. if i dont give my consent, can third party view my record by just typing my i/c no? |
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Dec 27 2016, 09:04 PM
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Junior Member
808 posts Joined: May 2008
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QUOTE(Min Hyo @ Dec 27 2016, 07:05 PM) if i dont give my consent, can third party view my record by just typing my i/c no? Companies like CTOS have the right to collect your personal information. Its some kind of law if I am not mistaken. You can't do anything about it. |
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Dec 27 2016, 10:29 PM
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Senior Member
5,974 posts Joined: Jan 2003 From: KL, Malaysia
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Sometimes bank pre-approved and activated your credit card and charge you annual fee without you knowing it, when you didn't pay that, it will be accumulated in your CCRIS.
Best is to check CCRIS, there is a debt to income ratio you need to meet else bank won't risk to give you a loan. E.g. for a 3.5k permanent monthly salary and 2 car loans, credit card loan and personal loan, chance is you have burst your debt to income ratio ... It means bank doesn't think you will manage to repay the new loan, considering you as high risk defaulter. |
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Dec 27 2016, 10:56 PM
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Junior Member
362 posts Joined: Apr 2010 From: Kluang, Kajang, Serdang 
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QUOTE(p4n6 @ Dec 27 2016, 10:29 PM) Sometimes bank pre-approved and activated your credit card and charge you annual fee without you knowing it, when you didn't pay that, it will be accumulated in your CCRIS. I afraid of this so. And maybe due to the insurance they charge etc.Best is to check CCRIS, there is a debt to income ratio you need to meet else bank won't risk to give you a loan. E.g. for a 3.5k permanent monthly salary and 2 car loans, credit card loan and personal loan, chance is you have burst your debt to income ratio ... It means bank doesn't think you will manage to repay the new loan, considering you as high risk defaulter. I really need to go to BNM and finalize everything. There is no use of me working hard to make saving for living without realize I've been blacklisted by bank due to bad record. While some others enjoying all 4 creditcard benefit by pay minimum payment. |
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Dec 28 2016, 04:22 PM
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Senior Member
1,022 posts Joined: Dec 2011
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So TS already go to BNM for the report?
Seriously, no point to keep dragging. Just lift your @ss and go straight to BNM for checking. |
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Dec 28 2016, 04:24 PM
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Junior Member
374 posts Joined: Sep 2014
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bankrupt can borrow money?
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