no. In the website bescribed, reg member can have free report x2 per uear, Jan and July.

Free?

Thanks! Just checked it. How is this different than the paid version?

The free credit report does provide the scoring as well, and what seems to be a table. But maybe it differs to the CCRIS table.

On another note, what does this mean?
[attachmentid=8458853]

Yes, it seems. The free report does show the speedometer type, in which it shows the rating, a score and what the score means.Yellow is weak, green is good, red is poor.

Anyway, anyone knows what this means?
[attachmentid=8458969]

Ya quite troublesome to purposely get the Pin first time in BNM

Bank Negara launches free central credit info platform for public

https://www.thestar.com.my/business/busines...orm-for-public/

anyone know any branch of bank negara or akpk near klang valley besides KL city center?
1st time registration seems quite hassle...

checked these before I post..

post to ask just hopefully there exists any new/missing branches in klang valley which is/are not listed in their websites that someone else knew about it....

CTOS can get free reports twice a year, IIRC. but which months exactly?

I just checked mine, score is 614! but this record is at end of 2016, and new 'score' are not shown.

No wonder! But so we are clear, when FI requests for records, CTOS would give out the comprehensive reports to the FI, yes?

Is CTOS paid report worth it? Does it really help in loan application?

Dear all FI experts,

I've applied for credit card from 2 banks but all got rejected, am suspecting it was due to my PTPTN loan repayments (frank to be told, i stopped payment for 9 months due to sudden strike of family financial condition).

However, now that I've fully settled all my late arrears since Mar 2018 and churn in additional repayment amount, by any chance will my credit card application be approved? or shall i wait for at least 6 months of good payment records to be reflected in my CCRIS before i starts to apply again?

Many thanks!

Note: i'm rather curious.. as the new education minister has removed blacklist of PTPTN defaulters, will the Banks still reject your application?

Thanks for reply David!
I've tried pledging my FD to PBB for exceptional approval but the officer in charge insisted that they shall only follow standard of procedures in processing my application..

Guess the most secured way is to wait until Mar 2019 for re- application then :/

i have enquiries regarding CCRIS and CTOS..

would you be able to see your credit limit as an individual from CCRIS\CTOS?

Hi guys just a question about my CCRIS report. I have a MBB joint loan account with my parents for my property purchase. It is fully released, and I have already been paying the instalments for months now, however it does not still appear in my CCRIS report even in the latest ones. Is this because of joint account with someone else, it doesn't show up?

All outstanding credit facility* obtained by the borrower under:
• his own name;
• a joint name with another person;
• a name of a sole proprietorship; or
• a partnership or a professional body.

Who should I contact if there is some kind of mistake along the way? The bank itself, or Bank Negara?

Bank will update every month to ccris on which date?