Good evening forumers..
i recently applied for housing loan in penang around rm144k but rejected by ambank..
i check my ccris report at BNM and my record were clean..'No Record'..the front desk lady told me that if in the paper stated 'No Record' then your record are clean. Then i told her about my problem and she said try check my ctos score online. So i did that evening and need to paid rm26.50 for the report. Sadly true the report stated that i have a weak score '561'..I dont have credit card nor any loan except ptptn which left another rm1500 only...But i once kena with celcom on 2016 because i didnt pay my bill for 3 month..but i already settle it in 2016...my question is can anybody tell me WHY MY CTOS SCORE IS LOW and how to get it higher...i really cannot brain this...Otai please help...TQ

nope 100% malay...i try to apply...