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

MNet
post Dec 11 2018, 10:12 PM

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QUOTE(ck8811 @ Dec 11 2018, 07:17 PM)
I just printed my CCRIS report recently, saw there's record of my cancelled credit card years ago, will these affect my future credit card application if there's too many cancelled credit card?
*
yes.
may i know which bank?
David83
post Dec 12 2018, 10:53 AM

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Just bought a CTOS Score Report for RM 12.72.
CCRIS report is instantly available.
At last, my score is above 744.

PTPTN shows all zeroes.
David83
post Dec 13 2018, 10:31 AM

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Just found out that adding additional CC from the same financial entity will be treated as a NEW application:

Credit Application
1 28-03-2018 A Own Public Bank XX,000.00
2 23-04-2018 A Own Public Bank XX,000.00

In the end, it's just a shared CL from the first card.
ClarenceT
post Dec 13 2018, 12:25 PM

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QUOTE(David83 @ Dec 12 2018, 10:53 AM)
Just bought a CTOS Score Report for RM 12.72.
CCRIS report is instantly available.
At last, my score is above 744.

PTPTN shows all zeroes.
*
You could get it FOC at
https://ctosid.ctos.com.my/ctosid_new/cimb_A

David83
post Dec 13 2018, 01:21 PM

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QUOTE(ClarenceT @ Dec 13 2018, 12:25 PM)
Tried many times.
I can't get a copy from there.
UserU
post Dec 23 2018, 02:37 PM

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To anyone who completed the survey and got the free code, how long is it valid for?

This post has been edited by UserU: Dec 23 2018, 02:37 PM
David83
post Dec 23 2018, 11:41 PM

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QUOTE(UserU @ Dec 23 2018, 02:37 PM)
To anyone who completed the survey and got the free code, how long is it valid for?
*
Which survey?
UserU
post Dec 24 2018, 01:03 AM

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QUOTE(David83 @ Dec 23 2018, 11:41 PM)
Which survey?
*
This was sent to our emails, dated Oct 4
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warface
post Dec 24 2018, 10:46 PM

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QUOTE(ck8811 @ Dec 11 2018, 08:17 PM)
I just printed my CCRIS report recently, saw there's record of my cancelled credit card years ago, will these affect my future credit card application if there's too many cancelled credit card?
*
if you cancelled your card already arent it suppose to be no show? can someone advise?
David83
post Dec 25 2018, 01:53 PM

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QUOTE(warface @ Dec 24 2018, 10:46 PM)
if you cancelled your card already arent it suppose to be no show? can someone advise?
*
Some bank is lazy and don't due diligence.
Please call the respective and ask them to get it removed.
warface
post Dec 25 2018, 04:52 PM

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QUOTE(David83 @ Dec 25 2018, 02:53 PM)
Some bank is lazy and don't due diligence.
Please call the respective and ask them to get it removed.
*
got to do some work dy, in that case
Nymphetamine666
post Dec 27 2018, 02:08 PM

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Hi, newbie in this thread. Is there a way to get both CCRIS and CTOS statement online? I preferably via email.

Teach me please. Thanks.
David83
post Dec 27 2018, 04:52 PM

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QUOTE(Nymphetamine666 @ Dec 27 2018, 02:08 PM)
Hi, newbie in this thread. Is there a way to get both CCRIS and CTOS statement online? I preferably via email.

Teach me please. Thanks.
*
Yes. Registered an online account with CTOS.
Pay RM 25 for CTOS Score report.
It'll have CTOS + CCRIS with score generated for you.

This post has been edited by David83: Dec 27 2018, 04:53 PM
Nymphetamine666
post Dec 27 2018, 09:06 PM

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QUOTE(David83 @ Dec 27 2018, 04:52 PM)
Yes. Registered an online account with CTOS.
Pay RM 25 for CTOS Score report.
It'll have CTOS + CCRIS with score generated for you.
*
Thanks! Will reg tomorrow morning.
labtec
post Jan 6 2019, 12:28 PM

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may i know how does this imoney credit score related to CCRIS and CTOS?

https://creditscore.imoney.my
https://creditscore.imoney.my/credit-check/faq


David83
post Jan 6 2019, 08:25 PM

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QUOTE(labtec @ Jan 6 2019, 12:28 PM)
may i know how does this imoney credit score related to CCRIS and CTOS?

https://creditscore.imoney.my
https://creditscore.imoney.my/credit-check/faq
*
The score derived from both reports.
Definition and weight have been explained in details in the FAQ page.

labtec
post Jan 7 2019, 11:15 AM

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QUOTE(David83 @ Jan 6 2019, 08:25 PM)
The score derived from both reports.
Definition and weight have been explained in details in the FAQ page.
*
so the free credit score provided by imoney is the same as the paid credit score provided by CTOS?
David83
post Jan 7 2019, 11:19 AM

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QUOTE(labtec @ Jan 7 2019, 11:15 AM)
so the free credit score provided by imoney is the same as the paid credit score provided by CTOS?
*
Exactly the same cannot.

I would use the word "comparable":.

Attached Image Attached Image

Becuase the weightage that CTOS used to generate the score is different from iMoney:

Attached Image Attached Image

Do all banks use the same score?
It is important to remember that the CreditScore is only an indication of your credit health. Every bank interprets the CreditScore slightly differently with some being more lenient while others more strict.
From: https://creditscore.imoney.my/credit-check/faq

This post has been edited by David83: Jan 7 2019, 11:25 AM
labtec
post Jan 7 2019, 11:24 AM

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QUOTE(David83 @ Jan 7 2019, 11:19 AM)
Exactly the same cannot.

I would use the word "comparable:.

Attached Image Attached Image

Becuase the weightage that CTOS used to generate the score is different from iMoney:

Attached Image Attached Image

Do all banks use the same score?
It is important to remember that the CreditScore is only an indication of your credit health. Every bank interprets the CreditScore slightly differently with some being more lenient while others more strict.
From: https://creditscore.imoney.my/credit-check/faq
*
i see, thanks for the explanation thumbup.gif
Nymphetamine666
post Jan 11 2019, 12:11 AM

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QUOTE(David83 @ Jan 7 2019, 11:19 AM)
Exactly the same cannot.

I would use the word "comparable":.

Attached Image Attached Image

Becuase the weightage that CTOS used to generate the score is different from iMoney:

Attached Image Attached Image

Do all banks use the same score?
It is important to remember that the CreditScore is only an indication of your credit health. Every bank interprets the CreditScore slightly differently with some being more lenient while others more strict.
From: https://creditscore.imoney.my/credit-check/faq
*
Very goos piece od info. Thanks.

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