What to do if no credit score, Clean name
|
|
 Jul 19 2018, 09:22 AM, updated 8y ago
Return to original view | Post
#1
|
 
Junior Member
27 posts Joined: Aug 2014 
|
Hi guys, as per title. I just understood that if name too clean, difficult for bank to give car/house loan. Kesian baru tau.
Other than credit card, is it personal loan can improve credit score? Any advice? Different banker gives diff advice. Thanks! |
|
|
|
|
|
Jul 19 2018, 09:43 AM
Return to original view | Post
#2
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(David83 @ Jul 19 2018, 09:29 AM) Build the score. Any advice which is good, PL or asb loan? QUOTE(popopi @ Jul 19 2018, 09:34 AM) Any idea how to check? how do i know if my score is ok or not? U can check at ctoscredit.com.my |
|
|
Jul 19 2018, 10:09 AM
Return to original view | Post
#3
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(55665566 @ Jul 19 2018, 09:45 AM) Obviously ASB loan to be safe but depends on how will you use the loan from PL. ic.. for example, i want buy 100k house in next 6 years (RM500/month), so now i apply 5 years asb loan. is it asb loan monthly payment need to be around RM500, or it doesnt matter as long as i have credit score when i want to apply housing loan? Mana tau i need to prove bank that i capable to pay certain amount for monthly payment before i buy the house |
|
|
Jul 19 2018, 10:25 AM
Return to original view | Post
#4
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(MUM @ Jul 19 2018, 10:15 AM) a friend of mine,...got no loans records for many years, ( the last loan records was 20 years ago -- fully settled 20 years ago) Thanks for sharing!he has on credit card record all the while....... he got a housing loan approved |
|
|
Jul 19 2018, 10:37 AM
Return to original view | Post
#5
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(lamode @ Jul 19 2018, 10:29 AM) i am not aware of any other option than credit card if you want a zero cost option. Thanks for ur advice!and if your income is not strong enough, pledge 5k FD to get a card, 99.99% approve like that. QUOTE(Ramjade @ Jul 19 2018, 10:31 AM) Avoid personal loan at all cost. May i know why? Related to ctos? |
|
|
Jul 19 2018, 11:18 AM
Return to original view | Post
#6
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(MUM @ Jul 19 2018, 11:05 AM) does the bank read CCRIS only Continue here bcos dont want hijack asb loan thread.does the bank read CTOS only or both? I think they both provide different type of info afaik, bank refer ccris for blacklist n ctos for credit score. Im looking for effective way to create credit score. CC, PL or asb QUOTE(Ramjade @ Jul 19 2018, 11:11 AM) Take personal loan only if you can make money from it. Otherwise you would be just working for the bank and not get paid. i c.. back to topic, does personal loan commitment include in ctos? |
|
|
|
|
|
Jul 19 2018, 11:41 AM
Return to original view | Post
#7
|
|
Junior Member
27 posts Joined: Aug 2014
|
» Click to show Spoiler - click again to hide... « So i can conclude all these 3 will build my credit score right. Im more to asb loan or pl instead of cc bcos tak layak  Do u in banking industry? Btw if u ok, can give opinion for my post #7? |
|
|
Jul 19 2018, 12:11 PM
Return to original view | Post
#8
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(Ramjade @ Jul 19 2018, 11:42 AM) What cc tak layak? Majority cc need RM24k-36k annual salary. Gaji kecil huhu» Click to show Spoiler - click again to hide... « I think i can commit max 10 years only. Before this i never knew clean name is not good, must have credit history. Really appreciate ur replies  |
|
|
Jul 19 2018, 01:50 PM
Return to original view | Post
#9
|
|
Junior Member
27 posts Joined: Aug 2014
|
QUOTE(a.lifehacks @ Jul 19 2018, 12:33 PM) I used to be in your position and was advised to apply credit card to build up CCRIS, my first card was from UOB (usually comes with annual fee, but first 2 years the annual fee is FREE). Im in this situation right now. Banks give advice same as u mentioned. Thanks for sharing ur exp!Once you got your first credit card, start using for about half a year/ 1 year, and do make sure you make the card repayment on time, then you are free to go. |
| Change to: |  0.0199sec
 0.87
 6 queries
 GZIP Disabled
Time is now: 29th November 2025 - 05:34 PM |
Quote
