Dear,

1. It will  turn to zero. You could try and appeal with ptptn to removed ur ptptn from the ccris. Just saying, never tried, but might wor, and do share if it does. Haha

Cheers

if i had settled the outstanding/tunggakan, CCRIS will then update the recent month back into 0 but the previous outstanding will still be visible right ?

Any chances for my house loan to be approved as i have settled all outstanding with PTPTN and promised to pay the montly amount promptly? PTPTN had issued a letter that states i had paid all the outstanding and will pay prompty. the PTPTN officer also said will update to BNM so my CCRIS in the coming month will be 0.

So during my loan application, i should attach the letter and let the banker know i had settled my outstandings although the CCRIS record for past months is still there?

I pulled my ccris from bnm and i got 1 loan for ambank and it says pending.  When i contacted the agent who i applied for and he told me it's rejected. While i call to call centre and they say it's currently not on record, might still pending. Who should i trust?

While my application for bank rakyat also show the same thing, but that one i know it still currently under process.

My CCRIS is Updated.

March 2016, Before clear ptptn tungakkan,
my record is 25, 24, 24

April 2016 (Today), after cleared ptptn tungakkan,
My record is 25, 24, 24, 0

Conclusion, the only difference is added a 0 behind. Btw the bad record 25, 24, 24 is still there. It takes 12 months to cleared all of it. So I am wondering will my bank loan pass with these bad records is still here. Haha.

Okay Sifu! Finally, today, my loan  can proceed  liao. Oooooh, waited for 1 month. Neck also long. 😂

I am applying 720k loan. But many bank cannot proceed because of the ccris. So very less option.

I just printed my report this morning. To my surprise, the old Citibank credit card that I cancelled more than a year ago is still in the record.

There's no PTPTN listed in my record too.

You don't need to and have no obligation to show them your CCRIS (particularly if you don't feel comfortable to show these rather sensitive info).  Just write to them (and I suggest you cc BNM) and give them reasonable time (ie by next submission) to update it accordingly in the CCRIS, otherwise you escalate the matter to the regulator.

where to complaint sir? my not approved cc already at ccris record for 3 years already.

I message maybank fb. And they reply within 1 hours in 6am in the morning. And by 9 their people called me and they said they look on to this issue.

I just called BNM also.
Their advice just get the name of the staff and branch, just open new complaint. BNM will follow up from there.

I don't understand the applicant needs to attach the report in the application when they can easily pull that from BNM since BNM is a government agency.

hi all, need some clarifications here.

just obtained my CCRIS report, it shows "0" for all my credit card, HP loan and housing loan, I assume it should be "clean" ?
but for PTPTN, it shows as "26, 25, 24, 24", and collateral type, it shows "clean", what does that mean?

i am paying the ptptn every month (RM150), and still have outstanding about 35K.

understood, thanks for the clarification!
restructuring like increase the repayment instead of just 150/month?

Quick q.

Would it appear on ctos ccris report if you only make minimum credit card payments?

Dear,

1. Same thing, no such loophole for you to twist.

2. However, if your outstanding too high, I know which bank for you to apply with.

cHEERS

bnm is quite far from my place, currently doing in ram, waiting for reply.

It shall mean that the participating firm (the motor shop) will contribute the data to CTOS, just like other participating firms eg telco companies. CTOS will use the data for credit scoring purpose.  Btw, whether you default on your payments or not, the CTOS or CCRIS itself is not a blacklist.