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

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keeystar
post Feb 10 2019, 01:16 PM

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Paid off ptptn ens of last year
CTOS 733 now
MNet
post Feb 10 2019, 02:23 PM

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Before pay off ptptn, how much ur ctos?
keeystar
post Feb 12 2019, 06:15 PM

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QUOTE(MNet @ Feb 10 2019, 02:23 PM)
Before pay off ptptn, how much ur ctos?
*
Was 6xx two years back
Nuke
post Feb 13 2019, 11:43 AM

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Guys, just wanna check.. anyone heard of CCJ Consultant based at Taman Desa? Received a text from them saying they can help to do refinance property even though the name is blacklisted. Scam?
Micky78
post Feb 20 2019, 08:43 PM

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if i had settled my hp loan in this mth, will it appear again in next mth ccris report...
David83
post Feb 20 2019, 08:47 PM

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QUOTE(Micky78 @ Feb 20 2019, 08:43 PM)
if i had settled my hp loan in this mth, will it appear again in next mth ccris report...
*
Cut off date is normally 15th

After 15th should be updated by next month.
Micky78
post Feb 20 2019, 09:24 PM

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QUOTE(David83 @ Feb 20 2019, 08:47 PM)
Cut off date is normally 15th

After 15th should be updated by next month.
*
if i have fully settled the loan... that whole loan will.b removed on following mth
David83
post Feb 20 2019, 09:25 PM

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QUOTE(Micky78 @ Feb 20 2019, 09:24 PM)
if i have fully settled the loan... that whole loan will.b removed on following mth
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Based on my experience on HLB HP, yes.
I don't know the rest.
gloomberg
post Feb 26 2019, 04:08 PM

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Hi guys, due to the bank's mistake (late waive of my annual fee), i was charged interest but i immediately pay it back. Can i check what will the impact of my ctos or ccris score be? there interest is only rm2. wanted to get car loan soon... then stupid bank kacao my score.
digimon09
post Feb 26 2019, 05:27 PM

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QUOTE(gloomberg @ Feb 26 2019, 04:08 PM)
Hi guys, due to the bank's mistake (late waive of my annual fee), i was charged interest but i immediately pay it back. Can i check what will the impact of my ctos or ccris score be? there interest is only rm2. wanted to get car loan soon... then stupid bank kacao my score.
*
you can buy CTOS score report (RM25) on their website
jianwei90
post Feb 28 2019, 05:45 PM

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Hi,

If we take cash advance, will it affect our credit score?

Thank you.
David83
post Feb 28 2019, 05:47 PM

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QUOTE(jianwei90 @ Feb 28 2019, 05:45 PM)
Hi,

If we take cash advance, will it affect our credit score?

Thank you.
*
Yes, it'll translate to credit limit utilization.
jianwei90
post Feb 28 2019, 05:51 PM

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QUOTE(David83 @ Feb 28 2019, 05:47 PM)
Yes, it'll translate to credit limit utilization.
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Oh, so the score is affected due to high credit limit utilisation (But if the cash advance amount is low, the score wont be affected right)?

Thank you.
David83
post Feb 28 2019, 05:52 PM

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QUOTE(jianwei90 @ Feb 28 2019, 05:51 PM)
Oh, so the score is affected due to high credit limit utilisation (But if the cash advance amount is low, the score wont be affected right)?

Thank you.
*
Yes.
kherel77
post Mar 8 2019, 04:10 PM

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My credit score is different between CREDIT BUREAU MALAYSIA and RAM CREDIT INFORMATION. Which one is more credible to follow? rclxub.gif

notworthy.gif notworthy.gif notworthy.gif Tqs.
Pac Lease
post Mar 8 2019, 05:08 PM

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QUOTE(kherel77 @ Mar 8 2019, 04:10 PM)
My credit score is different between CREDIT BUREAU MALAYSIA and RAM CREDIT INFORMATION. Which one is more credible to follow?  rclxub.gif

notworthy.gif  notworthy.gif  notworthy.gif  Tqs.
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for your info,bank will not be determite by the scoring.
David83
post Mar 8 2019, 08:24 PM

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QUOTE(kherel77 @ Mar 8 2019, 04:10 PM)
My credit score is different between CREDIT BUREAU MALAYSIA and RAM CREDIT INFORMATION. Which one is more credible to follow?  rclxub.gif

notworthy.gif  notworthy.gif  notworthy.gif  Tqs.
*
Just read the cautionary notes if there's any.
Otherwise, if nothing to be taken care off, you should be peace of mind.

Credit score is just a guidance; not a passport for credit facility approval.

This post has been edited by David83: Mar 8 2019, 08:24 PM
eastwest
post Mar 11 2019, 09:34 AM

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QUOTE(David83 @ Feb 20 2019, 08:47 PM)
Cut off date is normally 15th

After 15th should be updated by next month.
*
According to the faq at creditbureau, last update should be no more than 10th every month..

Check my eccris, it seems that it did show the updated record (today is 11th)..

Just for sharing....
missboo
post Mar 12 2019, 09:46 AM

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Hi. May I ask here regarding ccris report. How long the credit application report will be kept in ccris report?

This is because I applied for credit card in July last year and when I inquired the bank, I was informed that my application was rejected in the same month and I asked the bank to update the credit bureaus. In December, I found out that the application is still listed in my ccris as pending. I emailed the bank to update the ccris which the bank informed that they will take action.

Now, it is already March, the application is still listed as pending in my ccris report. I want to make big purchase in May, hence I want to apply a new credit card and I afraid that it might affect the application if the application I made in July last year is still in my ccris report as pending. I thought that the credit application will disappear from my ccris after 6 months, but no? How long it will be there?
MUM
post Mar 12 2019, 09:52 AM

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QUOTE(missboo @ Mar 12 2019, 09:46 AM)
Hi. May I ask here regarding ccris report. How long the credit application report will be kept in ccris report?

This is because I applied for credit card in July last year and when I inquired the bank, I was informed that my application was rejected in the same month and I asked the bank to update the credit bureaus. In December, I found out that the application is still listed in my ccris as pending. I emailed the bank to update the ccris which the bank informed that they will take action.

Now, it is already March, the application is still listed as pending in my ccris report. I want to make big purchase in May, hence I want to apply a new credit card and I afraid that it might affect the application if the application I made in July last year is still in my ccris report as pending. I thought that the credit application will disappear from my ccris after 6 months, but no? How long it will be there?
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Maybe that bank want to play safe?...they will wait a period of time to see any other failure to the score card?
Maybe you can check your on CCRIS to determine if the bank is tell the truth?

https://www.permohonan.my/semakan-ccris-onl...melalui-eccris/


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