CCRIS - no.
CTOS - unless legal action is taken on the unit owner then it maybe captured.

i printed out one last month and again yesterday.
They did ask the reason why I there (BNM) I said want to check in my special attention account clear already.
they didnt mention i can only print once in a quarter etc.

Hi. My family is about to open a Sdn. Bhd. company but I have doubts in doing so since my name is listed in CCRIS & CTOS. I understand from a friend who works in CIMB bank, for a Sdn. Bhd. company to open a current account with a bank, it is not compulsory for all the names of the directors to be in the current account, unlike sole proprietor or partnership. Is this true? Which means that my name can be listed in the company and this will not affect the company should the company opens a current account? Pls advice.

It depends on the authorisation granted under the board resolution who is / are required to sign / execute the documents pertaining to account opening, borrowing etc.

I was applying credit card with a bank, call it BS, a week later me and wife applied housing loan from few banks, pending the final offer / final loan package available to us.

My application for CREDIT CARD got rejected by BS, few days before I signed the Letter of Offer for mortgage.


So out of curiosity, I called up BS to check reason for rejection, the staff told me in CCRIS, I have very high housing loan commitment, after spoken to 3 different officers, finally I talked to processing department.

It come to my surprise that my name, in CCRIS, recorded 4 mortgage loan amount with 4 Banks, so they took all 4 outstanding loan amount as my housing loan commitment , and they decided that my DSR exceeded their DSR of 75%.

Funny but not funny as I wanted that credit card which has the benefit for INsurance premium

To be frank bank quite strict with CCRIS report nowadays, even approve with new cc if you existing commitment is quite high they have the right reject your application.

Hi to you again, thanks for your reply, after replying to my last post about mortgage. I finally got a good rate for our mortgage.

My problem with BS is they treat all 4 mortgage applications as one loan commitment and rejected my CC by stating I have exceed DSR of 75%.

Now in your ccris there might show there's 4 pending approval loan case, just prove to them you'll only sign one among these 4, i guess should be ok.

Think the bank isn't correct to do that as is not factual. Anyways is their loss. I'd applied a credit card also go or insurance premiums rebate and convenience but to my surprise, got rejected too. My ccris has no late repayments and CTOS is clean. Not willing to divulge the reason. BNM should make the banks give reason so that I can take the appropriate actions to clear our names rather than keep us in the dark.

Banks are compulsory to give reason for any rejected applications. However, this reason is not visible to applicant. Usually in any application there will be a disclaimer, something like "The Bank shall reserve the absolute right to approve or reject my/our application as the Bank deems fit without assigning any reason."

Reason given to bnm is only for statistical purpose only and not verified. To applicant, reason is even more general. Might as well don't bother. Have blacklisted a few banks already as no more keen to do business with them. Still can get the best offer from the other banks, so no complaints.

130,000 peminjam ingkar PTPTN disenarai hitam Selasa ini

source: The Malaysian Insider

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) akan menyenaraikan lebih 130,000 peminjam yang gagal menjelaskan pinjaman ke dalam Sistem Maklumat Rujukan Kredit (CCRIS) mulai Selasa, lapor akhbar Berita Harian.

Akhbar itu mendakwa, nama semua peminjam berkenaan sudah dihantar ke Bank Negara sehingga 26 Mei lalu dan akan dimasukkan dalam CCRIS pada 16 Jun ini.

“Peminjam culas yang namanya disenaraikan dalam CCRIS akan menghadapi masalah untuk mendapatkan pinjaman daripada mana-mana institusi kewangan negara ini.

“Ini termasuk pinjaman sewa beli kenderaan, perumahan pembiayaan peribadi dan kad kredit,” lapor akhbar itu hari ini.
Pengerusi PTPTN Datuk Shamsul Anuar Nasarah pada Mac berkata jumlah kutipan bayaran balik agensi itu mencecah RM5 juta sehari.

Katanya, peningkatan itu hasil beberapa tindakan yang dilakukan PTPTN bagi memastikan peminjam tegar membuat bayaran balik.

"Kita sedang mengkaji untuk melakukan beberapa penambahbaikan terhadap pendekatan yang dilaksanakan kerana kutipan yang kita peroleh meningkat dengan begitu ketara sekali.

“Sebelum ini, jumlah kutipan ialah RM800,000 sehari dan selepas tindakan, terdapat lonjakan yang tinggi dalam jumlah kutipan sehingga mencecah RM5 juta sehari, iaitu peningkatan lebih RM4 juta," katanya seperti dilaporkan Bernama.

Selain menyenaraikan nama peminjam ingkar ke dalam CCRIS, PTPTN juga menyalurkan nama peminjam yang berkenaan kepada Jabatan Imigresen untuk dihalang ke luar negara.

fuh 130k people

Thanks for this info

No prob, sharing is caring

finally!!!! took so sooooooo long to act.

Yes, it takes such a long time for implementation. I'm wondering how far the records of PTPTN loan defaulters do they keep. Since it was 1st introduced? If they only manage to retain those recent records then still a number escape from paying...

Hi, this might be asked before, how can we check someone whether he is blacklisted in Ccris ctos etc?
Any thread?

Page 1, post 14
last paragraph....something about "Black list"?

Maybe one of the answers in this FAQs has the answer to what you seek?
http://creditbureau.bnm.gov.my/faqs.html

I had a joint home loan and purchase with my mum and she is the one who's paying the installments all the while. However, sometimes she paid the installments late and now it has affected my CCRIS as I wanted to buy my own property. The balance left less than 5k so if I paid it off at once, will my CCRIS improve or still be affected? I need 90% loan for the property I'm buying now.