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

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SUSDavid83
post Sep 12 2018, 09:53 PM

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QUOTE(alexanderclz @ Sep 12 2018, 09:51 PM)
yup, any issue if check eccris too often? I see there's a historical request for it in eccris.
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I don't have e-CCRIS access.
Making a trip to BNM/AKPK branch is not convenient at all!
What I meant was with e-CCRIS, this would be easier!

This post has been edited by David83: Sep 12 2018, 09:54 PM
kkkw80
post Sep 13 2018, 06:15 AM

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QUOTE(alexanderclz @ Sep 12 2018, 09:51 PM)
yup, any issue if check eccris too often? I see there's a historical request for it in eccris.
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Nope, with E CCRIS you can check all you want. Been using it for a few months now
kkkw80
post Sep 13 2018, 06:16 AM

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QUOTE(David83 @ Sep 12 2018, 09:53 PM)
I don't have e-CCRIS access.
Making a trip to BNM/AKPK branch is not convenient at all!
What I meant was with e-CCRIS, this would be easier!
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It takes less than a few minutes at the kiosk
SUSDavid83
post Sep 13 2018, 08:06 AM

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QUOTE(kkkw80 @ Sep 13 2018, 06:16 AM)
It takes less than a few minutes at the kiosk
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I knew it takes few minutes at the kiosk.
Journey to the BNM is my concern.
There's only one BNM branch in the Penang.
hong823
post Sep 16 2018, 05:25 PM

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QUOTE(kkkw80 @ Sep 13 2018, 06:15 AM)
Nope, with E CCRIS you can check all you want. Been using it for a few months now
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Does it means that the bank wouldn't able to see how many times someone requested my ccris report?

With the convenient of eccris now, we can request it by ourselves anytime we want. I just curious if bank might get misleading by the number of ccris report request done by ourselves instead of bank. hmm.gif
kkkw80
post Sep 16 2018, 10:45 PM

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QUOTE(hong823 @ Sep 16 2018, 05:25 PM)
Does it means that the bank wouldn't able to see how many times someone requested my ccris report?

With the convenient of eccris now, we can request it by ourselves anytime we want. I just curious if bank might get misleading by the number of ccris report request done by ourselves instead of bank.  hmm.gif
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It's just like checking your own bank account, you can check all.you want. It doesnt show how and who have accessed it.

This post has been edited by kkkw80: Sep 16 2018, 10:46 PM
itv_mark5
post Sep 17 2018, 10:13 PM

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Hi all,

I've just managed to cleared off my ptptn tunggakan with my epf account 2 due to supporting family issues in the past. I now have a stable job that i've been working for the past 6 months & was wondering if i wanted to apply for a home loan, should i wait untill12 months later where the crisis record is good?
SUSMNet
post Sep 17 2018, 10:13 PM

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u can apply now it will not affect ur ccris
kkkw80
post Sep 17 2018, 11:36 PM

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QUOTE(itv_mark5 @ Sep 17 2018, 10:13 PM)
Hi all,

I've just managed to cleared off my ptptn tunggakan with my epf account 2 due to supporting family issues in the past. I now have a stable job that i've been working for the past 6 months & was wondering if i wanted to apply for a home loan, should i wait untill12 months later where the crisis record is good?
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Depends whether you've missed any payment within past 12 months. If yes, suggest wait 12 months from last missed payment
deity01
post Sep 18 2018, 02:22 PM

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Hi, If I settle the PTPTN, lets say at the coming Friday, when will the ptptn listing in my CCRIS report be removed?
SUSMNet
post Sep 18 2018, 07:01 PM

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It will not be removed.
It will show 0 only on the outstanding amount of PTPTN
kkkw80
post Sep 18 2018, 11:03 PM

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QUOTE(MNet @ Sep 18 2018, 07:01 PM)
It will not be removed.
It will show 0 only on the outstanding amount of PTPTN
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It should be removed if fully settled but not immediately as they follow a monthly cycle.
ycgoh123
post Sep 19 2018, 10:50 AM

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i just finished my aeon motor loan on end of July. until today the record still in the ccris with last updated date on 30 June and empty for month Jul and Aug, no 0 no 1. any idea when it will be updated and cleared from my ccris?
anyone got experience on this?
thanks
MARVIN333
post Sep 19 2018, 11:52 AM

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QUOTE(MNet @ Sep 6 2018, 10:17 PM)
Where did u see the score 566 at CCRIS report?
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I bought from CTOS apps. it is a pretty good apps so that you know where you at and to control your spending habits as well
SUSDavid83
post Sep 19 2018, 02:17 PM

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QUOTE(MARVIN333 @ Sep 19 2018, 11:52 AM)
I bought from CTOS apps. it is a pretty good apps so that you know where you at and to control your spending habits as well
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How much you paid for it? RM 25?
MARVIN333
post Sep 19 2018, 02:23 PM

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QUOTE(David83 @ Sep 19 2018, 02:17 PM)
How much you paid for it? RM 25?
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yup 25
SUSMNet
post Sep 19 2018, 09:03 PM

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QUOTE(ycgoh123 @ Sep 19 2018, 10:50 AM)
i just finished my aeon motor loan on end of July. until today the record still in the ccris with last updated date on 30 June and empty for month Jul and Aug, no 0 no 1. any idea when it will be updated and cleared from my ccris?
anyone got experience on this?
thanks
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after 12 month it will get rid from ur record.
ycgoh123
post Sep 20 2018, 09:20 AM

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QUOTE(MNet @ Sep 19 2018, 09:03 PM)
after 12 month it will get rid from ur record.
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i thot it will be updated and cleared from ccris on next month. but the last updated date is on 30 June is not normal right? blink.gif
anyway thanks for reply biggrin.gif
RVN10
post Sep 21 2018, 04:56 PM

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QUOTE(ycgoh123 @ Sep 20 2018, 09:20 AM)
i thot it will be updated and cleared from ccris on next month. but the last updated date is on 30 June is not normal right? blink.gif
anyway thanks for reply  biggrin.gif
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It will be removed in next reporting update. If still not removed in next reporting, If you have eccris you can request for verification of outstanding to trigger the removal or you have to call aeon to chase.
ycgoh123
post Sep 21 2018, 05:02 PM

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QUOTE(RVN10 @ Sep 21 2018, 04:56 PM)
It will be removed in next reporting update. If still not removed in next reporting, If you have eccris you can request for verification of outstanding to trigger the removal or you have to call aeon to chase.
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the next report should be Aug, but no remove. Sept report also same no remove yet.
ya i got eccris. i called aeon last 2 days and email them already, they said they forwarded the email to related department already, still waiting their reply.

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