But to all here.. Few things to ponder for your future:

One:
If you are getting a divorce from your spouse and you don't want your ex-spouse to know about your credit, are you to blame yourself or blame CTOS if they sell all your credit information to your ex-spouse for merely RM 15.00.

Two:
You got a business competitor and both of you are having serious competition over a deal. But you have problems with your credits and you are on CTOS list for past poor credit management.

You needed this deal to waver through for your business to prove that you no longer have poor credit management. But your competitor got hold off these information and use it against you and your business from CTOS for RM 10.00.

The potential client thinks that you are for no good and you have no integrity due to your information is listed in CTOS.

Are you going to say all those information is old information or you going to close the door when the barn door is already open with the horses all out?


To me, is don't glorified CTOS as though they are always correct cause they aren't. Those two scenarios above, I seen incidents happened to my friends and it is not nice..