Cilake tul rasa mcm dah crop tapi takpelah, aku bukan sesiapa pun.

This post has been edited by NotYourKuda: Sep 19 2019, 05:06 PM

If you clear up whole loan (full settlement) then no need wait for 12 months. Usually it will take 2 weeks to 2 months to totally remove you from the CCRIS

CCRIS. In order to get a good rating, pay your loans on time. Advance payment better.

Ye i know but I've been in my worst phase of life on that period, biasa la up and down. Shit happened.

itu la sabar idzni saleh.. nak beli bini baru kena banyak sabar.. dugaan..

hahaha, musibat tol doa doa kan la lepas loan ni.

why do you have to rub it in?
feel superior when you get to bully people, is it?

tak dapat loan tak apa kan ada kuda idzni..

The record is still there.
Future month will be 0 but the past record 1 is still there until it is off record.

dont angeri soli

last time i get 1 because of bank mistake, told me to wait 1 year to let it auto 0, escalate until higher management, then they clear off my 1 record.

Time will heal your CRISS record, provided you pay your loan. If not, no point crying or thinking further..... don't waste your time.

So the bank is responsible to clear instead of BNM? I've been to the bank like 7-8 times already.

restructure ptptn?

bank have to submit document/release letter to bnm.

if bank say cannot, then u have to voice up and make complain lo. threaten them to bnm? i dunno, but in my case, the management called me to apologize and promised will clear within 3 working days.

bnm job is just to update your record only.

No, your one is common repayment case.

Example, you pay car monthly installment, if this month you late payment, then it will indicate "1"
This record will keep for 12 months. So the "1" will only refresh after 12 months later
Like what you understand

But, if you 1 shot full settlement your car loan, like TS case
The bank will totally remove your loan record in CCRIS, your CCRIS wont indicate this loan record anymore.
is totally remove, no more 0 or 1

CCRIS record is update by the creditor, mean your loan bank

Is it ptptn blcklist?

too those who didn't get to see TS screenshot, the SAA tag is associated with AEON Credit.

if i understand correctly, TS said he already cleared the loan, but the tagging didn't disappear.

--double--

This post has been edited by Nervous Levin: Sep 19 2019, 07:09 PM