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It works, I just tried myself. Must use on CTOS website and have an existing account.

ok confirm can.. tried.. mobile app also can use the promo code

tqqqq

workable , my last purchase was 2weeks ago LOL

NO wonder the website so slow now. Server overload liao

Doesn't work with normal login, must use the right link...

This post has been edited by akinoro: Jan 18 2024, 02:22 PM

Confirm kena hack

Thanks TS

Another hotel california Ctos

thank you TS, mine very good.

eCCRIS kan ada

zzzzz

server overload ..lol

Thanks it’s work

Thanks op.

CTOS mining info again

adoi. just bought last week

normal price also 26.50?

wow no need to pay

This post has been edited by Pain4UrsinZ: Jan 18 2024, 02:18 PM

Ha ha ha 🤣..

website 101.

kalau free, semua olang mau. bankrupt la ctos macam ni. lol

Holy it works, thanks TS must use https://ctosid.ctos.com.my/ctosid_new/LoginPage and apply code CTOSCIMB23

This post has been edited by KingArthurVI: Jan 18 2024, 02:20 PM

locked out and hard to reset..

"eCCRIS account status is not active. You are not allowed to use this function." apalj

This post has been edited by bigduck: Jan 18 2024, 02:21 PM

eh.. u can just enter someone ic to generate report?

lol RIP if true

Bank agents must be salivating from mouth seeing this score.

Don't let them know

Cannot load website

lol, website dieded is it

Where got. Last year I asked for additional 10k increase in credit for my cc. Kena reject. My credit score excellent

They getting heavy traffic, but if you sit and wait it'll load eventually. Took me total of close to 5 mins end to end.

Maybe your limit already high for your income?

Yeah. 😅😅 But I was testing water. Total 45k limit

This post has been edited by Avangelice: Jan 18 2024, 02:36 PM

my score also excellent. but why i feel so poor?

How so good? Mine in poor category padahal Maybank and PBB both giving me 3.85% for housing loan and I've never missed a single payment deadline.

I have 7 approved credit card applications, 6 approved housing loan applications and 2 approved credit limit increases in the past 12 months!

This post has been edited by contestchris: Jan 18 2024, 02:40 PM

their algorithm went wonkers?

Maybe record too clean, banks like people that are in lite to moderate in debt. So they can profit off via interest.

Banks do not like people that settle off loans fast. This type of people banks categorise them into less profit group and put different internal scoring.

Type in your IC number, banks staffs knows all about your financial. But before do this step, they will ask you sign a document which authorises them to see your financial records.

Basically how the score works ; the more you are in debt, the less the score.

If your records are too clean or have settled of all the loans the higher the score.

Yeah I use my cc alot but always settle it 100%. U may be right

Done ty

Bro if I remember correctly the more cc applications you apply and loans (don't talk about approval) the less your credit score is.

You have like 15 credit enquiries in the last 12 months lol. It means you're applying for too much debt hence the low credit score. Banks can still approve you though

https://www.quora.com/What-happens-if-you-h...r-credit-report

Its a dumb scoring system for sure. LOW rating means I am not credit worthy, but the banks clearly think otherwise. Why penalise too many credit card applications to such an exaggerated level?



This post has been edited by contestchris: Jan 18 2024, 02:57 PM

That is too big of a number of credit utilization, even if you're technically capable of servicing them. But I'm sure you'll have high chance of getting more debt approved because they'll see your income (maybe 100k a month) and see your existing debt and realize you never miss payments, then will go ahead and approve anyway.

Can, banks will love to give you credits and enslave you with debts if you have proof of income or business owner.

Most fresh grads and those starting career will have this range of scores since not yet have credit cards, house loans, car loans. Maybe only have education loans.

Dafuq. 6 house loans in 12 months?

You submit house loan applications to 6 different financial institutions but at the end only sign up for 1 is it?

This post has been edited by poweredbydiscuz: Jan 18 2024, 03:07 PM

took an half an hour just to login, been meaning to check since I missed a payment January last year because I forgot to schedule the payment, at least this report get for free

This post has been edited by Quantum Geist: Jan 18 2024, 03:23 PM

system refreshed ..good luck on incoming call

that i dunno
I unkle level dee

Oh I see. If for uncle to have this level of score means;

A. Have settled of loans and have less credit applications with financial sector.
B. Use cash or debit to buy things.

Sooner or later CTOS gonna totally dictate your loaning power instead of government CCRIS, good job guys giving info up for 🆓 👍

Not believe can read how FICO, a public company screwed up average American.

mine is 794, down 3 points from last free report. 1 credit card loan and 1 housing loan (7 years left)

3 credit service still running



sad... compare to last year report drop 1 point

The code not work for me , sad
I just bought ctos record 2 weeks ago lol

Yup, that 3 credit service with not much outstanding balance causing the credit score to not reach 850 I think.

score drop a lot because of new car loan + 1 missing payment

damn ..i paid full be4 statement due ..then got outstanding rm0.80 after magic calculation and i didnt go see

become late payment

you sendiri contradict your self

ok la, ada up sikit compare previous score

Drop by how much?

become below average

about 120 points compared to last check at 2021



maybe i am refreshing my credit card + bank offer limit upgrade + 2 new car loan

This post has been edited by fantasy1989: Jan 18 2024, 03:37 PM

Missed payments very lahanat to ctos one...1 missed can drop a few rungs and takes about a year to fully recover...

LOL, my score dropped because I got a couple of new credit cards to replace some useless ones.

just 1 ..somemore because 80sen

really cb

What difference with BNM CCRIS

Macam bodoh je

maybe he do compress loan leh? direct buy 6 houses ..owai

CTOS got more like if u hutang management fee ..they will put your name at there

which is not visible at ccris

Yes. So you kana Poor or Low?

Omg 400+
How

Low

maybe i did too many thing within 12 months gua

last year buy 2 car with loan

This post has been edited by fantasy1989: Jan 18 2024, 03:43 PM

Just kana only? See next few months got go up or not..

ya..just kena ..

now i overpaid few hundred inside that cb card

or i will just direct cancel it and let it disappear

Yup, banks systems are run by advanced computers and systems. Every cents are take into the count during transactions. Not like uncle auntie shop that do not count 5 cents or 10 cents due to good will

And every mid of month, this bank systems sends reports to BNM (eCCRIS) and other credit report providers like CTOS, Experian.

can anyone help explain the low score of mine





This post has been edited by cytyler: Jan 18 2024, 03:51 PM

You got miss payment I think that is why effect score although you did not borrow a lot of credit.

Take ur tin foil hat off mate. The info is widely shared amongst banks and bnm

IT: Effective data mining 😏

never missed any in my whole life

Last time I open there on this ctos thingy
Ppl say bank no use this service anymore

As they have their own internal system,

A few years back I remember my bank agent use a combination of ccris and something called ramsey.

Based on your screenshot shared above it says YES for instalment in arrears.🤔

Something like ctos more to third party evaluation. Same thing like you buy a house and get a third party evaluate the defects of the house.

Lel I used their service once jer. After that constantly kena spam
One good thing tho when my credit rating changes I get a notification, but it won't tell me why until I buy another report

B25 reporting in beeches.. hahahaha

it just doesnt make sense , the loan = ptptn , car
and both are auto debit since first day ccris side also all 0

Better get it checked with CTOS. Maybe they reported inaccurately.

Don’t know why you defending private company, you shareholder ka?

Personal info shared by BNM which is a government entity and banks with strict regulations ka? How is CTOS any of these things?

They will just say it is from ccris..

I only got 2 CC, pay every month in full and no arrears, only got a fair rating (691) lol.

No loans also cannot.

Is it just me or it just stays on the "Please wait" scteen while checking out? Waited for over 10 mins already.

nt bad

PADAM MUKA CTOS ( and other rating co as well )

Court rules CTOS has no power to formulate credit score, orders RM200,000 payment to businesswoman for inaccurate rating

KUALA LUMPUR: CTOS Data Systems Sdn Bhd (CTOS) does not have the power to formulate its own credit score, the High Court ruled recently.

Judge Datuk Akhtar Tahir said the credit rating agency was only empowered to be a repository of the credit information to which its subscribers have access.

He ruled that there was no provision in the Credit Reporting Agencies Act 2010 (CRAA) empowering CTOS to formulate a credit score or create its own criteria or percentage to formulate a credit score.

He said CTOS, besides providing credit information, had formulated a credit score based on criteria like payment history, amount owed, credit history length, credit mix, and new credit, each with assigned percentages determining a person's status.

"CTOS's main role is to collect, record, hold and store the information received.

"The company is also empowered to disseminate the information to its subscribers, and this includes financial institutions.

"By formulating a credit score, CTOS has gone beyond its statutory functions," he said.

Akhtar said this in his judgment before ordering CTOS to pay RM200,000 in general damages to Suriati Mohd Yusof, who owned a resort in Pulau Perhentian, for inaccurate credit rating.

The 43-year-old businesswoman sued CTOS for alleged negligence and breach of fiduciary duty in misrepresenting her credit rating leading to a loss of reputation, personal losses as well as business losses.

In May 2019, Suriati's application for a car loan was rejected due to a negative report from the defendant (CTOS).

Upon further inquiry, she discovered that the data collected and retained by the defendant was inaccurate, leading to a false negative rating for her.

Apart from inaccurate information, she contends that the defendant had given her a low credit score leading to loss of confidence from financial institutions.

The plaintiff found out that the credit score was based on inaccurate criteria which was not updated.

CTOS, however, argued that all information given was with the consent of the plaintiff and any information given by the defendant was subjected to verification by the parties applying for the report.

The court ruled that CRAA was enacted to empower credit agencies like the defendant to provide accurate credit information to facilitate financial agencies in approving and disbursing any financial aid to an applicant.

"Accurate information provided by the defendant was vital in the decision making of financial institutions.

"The defendant therefore had a duty to provide accurate credit information not only to the financial institutions but also to persons concerned against whom the information was related to.

"The plaintiff had evidence that the defendant was alerted that the information against her was inaccurate.

"The evidence in this case shows that the defendant chose to ignore the communication from the plaintiff and continued to maintain the said information," said Akhtar.

He said the least the defendant could have done was to either suspend the information pending verification or notify the subscribers or applicants that verification was underway.

"By choosing to be indifferent even after being alerted by the plaintiff, the defendant has clearly breached the duty of care owed towards the plaintiff."

Akhtar said the court has limited the damages awarded for the personal losses as the plaintiff's reputation as well as her relationship with her husband had broken down due to the defendant's negligence and breach of fiduciary duties.

The court also awarded RM50,000 in costs to the plaintiff.

This post has been edited by JimbeamofNRT: Mar 11 2024, 02:09 PM

I suspect the changes is miniscule

Hence why i dont bother

Like you i subscribed once for something but to date no big changes also. So i'm not buying a new report kek

If you got resources, can go sue them ( like the case above )

Here is what they say about my score which is not even relevant kek

What is affecting my Score?
1. There is delinquency (past due with no minimum payment) in your credit report.

2. You have recently applied for too many accounts on the credit report.

3. It seems that you have recently missed one or more loan repayments.

4. Too few accounts on the credit report that are currently paid within terms.

Auto generate a standard answer and paste haha

for so many years ppl make noise already about these rating co, and yet their cable is dem thick

CTOSBP25 offers a RM5 discount when checking your CTOS Score