As long as you are still under DMP, you won't be able to apply for loans.

How if join home loan with wife?

The banks will know you are still under akpk!

I applied for my CCRIS report through email on Monday last week, but so far I've yet to receive any reply from them. Usually how long is the application process?

thru email? can-meh?
wondering how they are going to verify the ownership.

Well according to their website, I can send in the form and the necessary documentations to their email.

thanks for the reply....still wondering how they are going to verify the ownership....

if it is this request, then I guess have to go there and show them the originals before collection

http://creditbureau.bnm.gov.my/files/CRR%2...ktober_2011.pdf






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If you're unable to get the ccris report from BNM in person with valid reason such as distance, BNM officer will call you to verify your identity email.g what loans you Ave, if any, which bank, etc. Once satisfied, they'll send by correspondence or email. If still in doubt, they'll insist collection is done via your banker. The branch manager will be the one to verify your identity before he can release the report sent by BNM (not printed from the bank as there's more information with BNM's version)

i cant seem to be able to sent out the request to bnmtelelink@bnm.com.my

Hi All,

Was trying to apply for loan and suddenly was told that there is this CCRIS stuff.
Found the rootcause is from a credit card.

Assuming I make full payment to the credit card and request for a termination.
Will it update the CCRIS immediately so this wont be a concern for me applying loans?

If not, is there any other method?

Please advise!

Now only realize it is important to manage all these bills on time =/.

Make full payment and cancel the credit card. Do it before 30th April. The bank will update your record by the 10th May. If you're lucky, your bank maybe one of the earliest banks' that update ccris i.e by the 2nd May or be kind enough to update your ccris on your urgent request.

Bank won't entertain client's request to update the CCRIS record earlier than their normal schedule.

If you have non-satisfactory payment records of your credit card in the past 12 months, even if clear your card outstanding, the bad records for the latest 12 months will still appear on the CCRIS.

settle the amount and cancel the card, the whole account wont appear in 30-60days in ccris statement

ald mentioned above

This post has been edited by kanagawaautoparts: Apr 28 2015, 08:28 PM

Cancel the credit card facility and it won't appear in your ccris anymore in the bank's next update to bnm.

A few banks will do. Make sure you're persistent and managed to contact the right people eg customer service, ccris unit.

The rest sucks.

Oh okay.
Thanks all for the advise =)

Hi All,

A quick question. I have RM18k outstanding on my credit card. I have missed 6 months payment. I understand that I am on CCRIS as my personal loan got rejected. I spoke to the collection department and they told me to pay atleast RM5300 to active my account or take up the restructuring term loan. The card has been cancelled.

My question is:

1. If I pay the RM5300, will I be still in CCRIS? Will i be able to apply for personal loan after i pay the RM5300?
2. Is the term loan offered is a good move? I heard somewhere that restructuring the debt is a bad credit score and will be reflected on record for a long time.

With or without restructuring your term loan, your credit score is already poor by virtue of your missed missed payment for your credit card.

Go ahead and reschedule to ease your cash flow and also repair your credit card record. After six months of continuous repayments (latest BNM's guidelines), your reschedule tag in CCRIS will be uplifted.

By then your record should look better too.