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> CCRIS, CTOS, Blacklisted by Bank, Whats The different.

babyying8050
post Aug 20 2010, 10:25 PM


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QUOTE(speed7791 @ Aug 20 2010, 10:05 PM)
i suggest u go to ctos in megan avenue n ask them to check. quite fast n foc if i remember correctly. don't bother calling them to check your status. it has to be done in person.

http://www.ctos.com.my/CTOSHOME/home.htm
CTOS Sdn Bhd (209649-U) Unit A-8-4, 8th Floor, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia Tel: 603-2770 8833 Fax: 603-2770 8834 ...

otherwise the next time u submit your loan application send to 3 banks n c which one responds favourably. i know ppl in the car n property sales industry who does that. sometimes all banks respond positively n offer better loan margin than others. other times some will reject while the other may accept. different banks may have different risk appetite.

when u submit your loan application to 3 banks all of them will know that u have done so as your applications in different banks will be reflected in ccris. they may call u n ask..."did u also submit this loan application to this n that bank?" just tell them that you did to see which one meets your expectation. some banks may not ask cos they would understand y u did so. either way no big deal there.

all the best... smile.gif
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wah.. i think of wan to try CIMB, hong leong n maybank... izzit ok?some of my fren said smaller bank will accept will bigger banks they consider a lot..
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speed7791
post Aug 20 2010, 10:37 PM


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QUOTE(babyying8050 @ Aug 20 2010, 10:25 PM)
wah.. i think of wan to try CIMB, hong leong n maybank... izzit ok?some of my fren said smaller bank will accept will bigger banks they consider a lot..
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don't see anything wrong with that. go for it. hope u get your loan cheers.gif
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babyying8050
post Aug 20 2010, 10:40 PM


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QUOTE(speed7791 @ Aug 20 2010, 10:37 PM)
don't see anything wrong with that. go for it. hope u get your loan cheers.gif
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want to try my best for it....


Added on August 20, 2010, 10:59 pmprepare for the worst condition.. if all of them didnt bother to tell me bout the reason y my application been rejected.. what should i do?i saw advertisement tat willing to borrow money to those blacklisted...should i..??

This post has been edited by babyying8050: Aug 20 2010, 10:59 PM
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yewjin
post Aug 24 2010, 03:39 PM


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QUOTE(babyying8050 @ Aug 20 2010, 10:40 PM)
want to try my best for it....


Added on August 20, 2010, 10:59 pmprepare for the worst condition.. if all of them didnt bother to tell me bout the reason y my application been rejected.. what should i do?i saw advertisement tat willing to borrow money to those blacklisted...should i..??
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As suggested by the other posts - go to CCRIS and CTOS and get a report from them. Then you will know where you actually stand.

If you have no other loans & CCRIS & CTOS says nothing then your future isnt that bleak.
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FarinaRacer
post Sep 7 2010, 06:24 AM


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Read here - helpful info http://banking.tips.my/credit-rating/how-t...ee-ctos-report/
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babyying8050
post Sep 7 2010, 12:26 PM


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QUOTE(yewjin @ Aug 24 2010, 03:39 PM)
As suggested by the other posts - go to CCRIS and CTOS and get a report from them. Then you will know where you actually stand.

If you have no other loans & CCRIS & CTOS says nothing then your future isnt that bleak.
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yeah.. i dun hv other loan... only outstanding bill in maxis n digi...
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thilanesh
post Sep 15 2010, 01:50 PM


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i dont understand how the bank declare you as bankruptcy? if you dont pay your credit card and car loan will u be declared bankruptcy?
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b00n
post Sep 15 2010, 04:43 PM


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QUOTE(thilanesh @ Sep 15 2010, 01:50 PM)
i dont understand how the bank declare you as bankruptcy? if you dont pay your credit card and car loan will u be declared bankruptcy?
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If the amount owed amounted to RM30k, then they have the right to sue you for bankruptcy.
Even in business deals, the same RM30k applies.

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nujikabane
post Sep 18 2010, 12:10 AM


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How do I check my status in both CTOS & CCRIS ?
Is it possible to check it online?
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samirah2009
post Sep 18 2010, 01:57 AM


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For those who have CCRIS problems, the only bank can accept ur application is MBSB. Recently i heard they are going to use CCRIS as well same like other banks but not sure when is it will happen.


Added on September 18, 2010, 2:00 am
QUOTE(nujikabane @ Sep 18 2010, 12:10 AM)
How do I check my status in both CTOS & CCRIS ?
Is it possible to check it online?
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CTOS checkself at www.ctos.com.my and try to click at Selfcheck button.
CCRIS, u have to go to Bank Negara and request them to print for you.

.. biggrin.gif

This post has been edited by samirah2009: Sep 18 2010, 02:00 AM
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kanghwai
post Sep 19 2010, 12:32 AM


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hi guys i am new here

I got 1 question
I owed hongleong bank cc 2008.
and now i had make the full settlement in 6/9/2010
after i check with the ccris manager of hongleong bank
they say my data already sent to bnm
and will fully clear in nex week 23spet
isit real and so easy??
or the manger bluff me cz some say need wait for 1 years

if my ccriss clear isit i can apply any loan from banks?
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babyying8050
post Sep 21 2010, 10:11 AM


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QUOTE(samirah2009 @ Sep 18 2010, 01:57 AM)
For those who have CCRIS problems, the only bank can accept ur application is MBSB. Recently i heard they are going to use CCRIS as well same like other banks but not sure when is it will happen.


Added on September 18, 2010, 2:00 am

CTOS checkself at www.ctos.com.my and try to click at Selfcheck button.
CCRIS, u have to go to Bank Negara and request them to print for you.

.. biggrin.gif
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for MBSB is only for Malay and work with government, rite?
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Eng_Tat
post Sep 21 2010, 05:08 PM


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hi guys, anyone know how fast does maybank and hsbc update their ccris for cc usage? thanks
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QSR10
post Sep 21 2010, 05:22 PM


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QUOTE(Eng_Tat @ Sep 21 2010, 05:08 PM)
hi guys, anyone know how fast does maybank and hsbc update their ccris for cc usage? thanks
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every month.
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Eng_Tat
post Sep 21 2010, 05:23 PM


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QUOTE(QSR10 @ Sep 21 2010, 05:22 PM)
every month.
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bro they update when the statement date is out or after pymt due date?
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h4dRi
post Sep 24 2010, 11:27 AM


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i used to get a warning letter twice from MARA due to not paying according to schedule & have outstanding balance,

however, after i received 2nd warning letter , i have paid all outstanding balance and follow their payment schedule.

it's a study loan.

do u guys think, CCRIS will record it ? thanks notworthy.gif


Added on September 24, 2010, 11:31 am
QUOTE(samirah2009 @ Sep 18 2010, 01:57 AM)
For those who have CCRIS problems, the only bank can accept ur application is MBSB. Recently i heard they are going to use CCRIS as well same like other banks but not sure when is it will happen.


Added on September 18, 2010, 2:00 am

CTOS checkself at www.ctos.com.my and try to click at Selfcheck button.
CCRIS, u have to go to Bank Negara and request them to print for you.

.. biggrin.gif
*
for CTOS need to go to their place too, i thought can check it online sweat.gif

This post has been edited by h4dRi: Sep 24 2010, 11:31 AM
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nemoexcel
post Oct 16 2010, 05:06 PM


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QUOTE(h4dRi @ Sep 24 2010, 11:27 AM)
i used to get a warning letter twice from MARA due to not paying according to schedule & have outstanding balance,

however, after i received 2nd warning letter , i have paid all outstanding balance and follow their payment schedule.

it's a study loan.

do u guys think, CCRIS will record it ? thanks  notworthy.gif

for CTOS need to go to their place too, i thought can check it online sweat.gif
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MARA's loan is not included in CCRIS..... Only FI are participating in CCRIS... no worries bro... if cant sleep at night, go drop by BNM and use their kiosk to get yr CCRIS report icon_rolleyes.gif


Added on October 16, 2010, 5:16 pm
QUOTE(Eng_Tat @ Sep 21 2010, 05:23 PM)
bro they update when the statement date is out or after pymt due date?
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It is updated every month on a fixed determined date (by individual banks). Not statement date nor due date. However, the record shows in CCRIS usually is 2 months back.

example : Since now is Oct2010, CCRIS's record probably shows Aug's balances.... However, if u were outstanding in Sept2010, and you thought by making full payment now (Oct2010), and expect Sept's record to be cleared (when it is updated later), then false hope... coz they will still update Sept being overdue (coz payment was made in Oct).. i believe this is fair ... coz its accuracy of historic data they are concerned about, not current overdue/non-overdue status..

But, good news for those who are recently overdue... example : Sept & October overdue, if you go apply for a loan/cc , chances are your application will be APPROVED nod.gif .. coz as far as CCRIS is concerned, u r still up to date (based on Aug's record)

Hope these helps

This post has been edited by nemoexcel: Oct 16 2010, 05:16 PM
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ericyeoh
post Oct 28 2010, 02:14 PM


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For everyone has loan with bank, pls pay accordingly.. when u r in ccris, it is really very difficult for you to apply car loan nowadays.

Lately I found out I have these problems, although I have settled all the loans including housing loan, car loan and cc in mid of the month, all banks still rejected my application even until now still no one can tell me the exact reason they rejected my application.

Plan to go to BNM and CTOS to check the status and don know can apply after 6 months or even longer, ie, 1 year.

Now I really very in trouble as my old car seems going to breakdown anytime, I may have no car or spend much to repair the old car (12 yrs old car) which not worth to repair. I already cancelled all credit cards and fully settle, now using debit mastercard...

Just an experience to share with everyone here. Better monitor or else, you will have the same problem like me sad.gif
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b00n
post Oct 28 2010, 04:13 PM


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QUOTE(ericyeoh @ Oct 28 2010, 02:14 PM)
For everyone has loan with bank, pls pay accordingly.. when u r in ccris, it is really very difficult for you to apply car loan nowadays.

» Click to show Spoiler - click again to hide... «

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Correction on the bold statement.
i.e. Everyone would be listed in CCRIS when they borrow a loan facility from the FIs (financial institution).
CCRIS records your loan balance, loan/line amount and payment string for the past 12 months. FI are mandated to report every of their loan customers to this central repository.

Again, every banks have their own underwriting policies. Some are strict some are more lenient. The sales guys usually can advise better as they also want approvals.

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DeZeque
post Oct 29 2010, 08:01 AM


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whoaaa... din know there's a 10 pages thread on CCRIS.. ehehe...

anyway... if u have ANY questions about CCRIS... pls put it down here and PM me (as i may not log in here that often).. i think i can give a straight answer as i'm directly involve with the system and knows the system inside out...
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