Hi all,

Make long story short, recently I try to make Loan for Satria Neo (Used) with RM28K amount.
With my current salary and commitment, should be green light to proceed.

But then the car shop call me, said that I have CCRIS. Bank can't proceed with the loan.
As far as I remember, not much loan and all paid accordingly.
Even my Citibank Credit Card should be paid off more than a year ago.

What should I do?
Afraid when go to BNM, I already declare as Bankrupt due to unknown piling interest or anything that I missed out.
But I need to make sure all my record clear again.
Don't want this Hassle with Loan Life.

Any advice from expert, I advance with THANK YOU

advice still the same, go to Bank Negara to request a copy of the report..

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

go to the link above and register, they give you free ctos/ccris report. Its promotional for now all free.

Once got the report, what will the best advice to clear the CCRIS status soon.
Afraid to melt all saving just to clear everything.

Any advice to whom I should refer first? Is it nessesary to went over AKPK?


I register earlier, and got my Score already.
Its in the middle, not goes to bad par yet.
But due to some missed payment, but still I always pay double + extra whenever I make payment.

well if your loan is not approved then maybe you have too much commitments or you owe some company something and did not pay so they put it in CTOS or CCRIS that will affect you.

If yo ugo to BNM the report is free and don't worry as long as you're threshold is not more than 20K then no one can declare you bankrupt

This!

You need to pay before the due date, and clear all the outstanding.

Wait 6 month (and continue to pay accordingly) and try again.

That one quite new for me, Owe some company something in term of money or what?
Can I use my EPF to clear debt? So afraid. Still young already screwed with financial institution.

Feel like wanna sell off everything any live with full paid kapchai only.

NO you can't use ur EPF for that

before you go all crazy just go to BNM and get your CCRIS report. Its free and all you need is your IC. Then if you want post it here and blank all personal information

Forumers can offer advise

Yeah, some time past it due but not even enter the next cycle, I already pay it in advance.
Have to admit my mistake take Aeon Credit lightly. The extra charge hurt even more.


Will make my way to BNM this afternoon if possible. Really afraid already declare bankrupt.
Even I doing grabcar now to earn extra. Cut cost also won't help if endup blacklisted by CCRIS.

Note I'm not PTPTN loaner.
Only 1 Credit Card.
Myvi Car Loan, with monthly deduct from account and never fail.

I dont think bankrupt leh.. just bad report in ccris thus the loan get rejected. why not try with guarantor?

My first myvi no need guarantor, with half of my current salary.
Should be fine by now but don't know with CCRIS issue.

I need to the CCRIS first before proceed with better living.

Good decision bro, i got ccris issue as well. on rehab from spending currently. should be fine by mid next year.

GL bro

You can't avoid this. Face it head on. Go to BNM and clarify and also seek advice on how to proceed. You will get better advice there compared to here in the internet

I spend on Cash Term and Debit only since past 2 years.
But yeah, now have to strict more, or earn more.

Not happy when knowing have this unhealthy financial.

Thank You. Will gather all my strength to face the fact.
If need to sell anything, let it be.

Everyone has CCRIS. It's basically a financial record of a particular person.

Probably your name is listed in CTOS due to some reasons.

If you're talking about AEON, then for sure it's not only your CCRIS record, must be CTOS record also affecting this.

If possible fully settle your AEON, or clear any outstanding and you need to start to pay before due date and maintain it nicely and at the same time request them to remove the blacklist (from which credit report agency, ctos, ramci etc).

In future, avoid AEON credit, for your peace of mind.

Need to more detail on it.
Will refer to BNM first.
If Aeon is the reason of all this, pay all one time.

Yes, No AEON anymore. So sad. They even treat me like I never pay any amount from the loan.
While they making 50% profit out my loan amount.

TS just go BNM and print the report and the rest you should know why and what to do etc.

The thread tutup liao

first time request report is free. next report need to pay.
get free report on january and july

If u bankrupt, for sure u know 1.

Just go to Maju Junction. Level 4 IINM... There's AKPK there. U can print ur own CCRIS report. Just don't forget to bring ur MyKad

This post has been edited by jonn zee: Dec 23 2016, 11:51 PM

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.

This post has been edited by cfyong2020: Dec 25 2016, 05:57 PM

Did u meet their minimum annual income requirement?
Erm, perhaps its ur first credit card, so bank quite strict on first timer..

That what I really afraid of. But from all my calculation, shouldn't be that much.
Maybe only due to bad repayment record.

My current car use for Grab. Need another weekend car so I don't over use current car.
As from my calculation, earning from Grabcar enough to cover 2X my current car installment.
That why I look forward for another car.

Other main income minimum monthly 3700 on slip.
And for Grabcar incentive around 250 weekly, not include cash collected on daily basis.

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

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.

Ptptn tunggakan?

Bukan peminjam PTPTN.

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.

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

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

Haven't. I just did the CTOS score online.
Seem like everyone advising this. Did it open on PH?

bnm kioks self print ccris report is much simple compare to ctos report. you wont get any other more info from the report

tagged

what do you mean, ppl 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 hope the amount not pile up alot.
If around 5K I can close eyes pay all.
And stay clean for the rest 6-8 month.

Spoil mood knowing I'm not a good person anymore.
Bank look at me as problematic person already.

MayB**k approve rite ?

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.

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.

I afraid of this so. And maybe due to the insurance they charge etc.
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.

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.

bankrupt can borrow money?