the released letter with letterhead of Aiqon does have the details of the credit card . I just wonder if next time I need to apply loan from other bank, would they accept a release letter by Non-bank.

agent said can try even very clean. but normally might end up 80% or lower..  they said

my current status is all the debts is old debts. so once clear everything, nothing can see from the ccris already.

So, is Aiqon the way how banks keep their NPL low?

actually i think is depend on how to approval department rates each case, but recently i knew that one of the housing loan application result with nothing show in the ccris one, the borrower doesnt have any debt (like me) before, is just clean. he said the bank only approve 80%.

while for me, as per adviced by agent, he said once i clear eveything, and give him all the released letter, then he can pass to banker to evaluate first, from what he said, this is not totally hopeless lah, maybe also the same in the end, lower approved percentage.. i guess.

ya. maybe scoring lower since no record of repayment previously.. so reduct loan amount . i guess

maybe lah. but as long as special attention account not removed from CCRIS yet, this letter is important fo me to prove that I had settled it, I worry it coz this letter not issued from the bank.. 
anyway, i really no idea why cimb collection department has different answer for this question, at first said will be issued by CIMB, then second one say not from CIMB.