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

Based on my experience on HLB HP, yes.
I don't know the rest.

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

Hi,

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

Thank you.

Yes, it'll translate to credit limit utilization.

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.

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

Tqs.

for your info,bank will not be determite by the scoring.

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

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....

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?

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/

what do you mean by 'they will wait a period of time to see any other failure to the score card'?

I check my ccriss online every month to see if the application is still there. I thought after 6 month, it will be gone. This is not normal right? Then I have no other choice but to CC my email to BNM so that action will be taken.

this is a good route to go
tell us the results will you

just found this....

Answer:
The credit report only shows outstanding or active accounts, pending credit application, and approved credit applications for the last 12 months.

http://creditbureau.bnm.gov.my/faqs.html

thanks for your feedback. will update soon.

wow, thanks! i have been googling for the past 6 months, can't find the answer.

Will enquire the bank & BNM whether pending application = rejected application.

Thanks a lot!