Hi.. wanna ask. I had made full settlement of akpk on march 14. Will the ccris report clear the akpk record on 16 april ?
Also i m planning for housing loan and they request for previous few month bank statement. The statement i hav is  use for my salary n akpk payment .Will the bank reject me if they saw my akpk history in the bank statement even my akpk cleared from ccris ? Thanks!!

Basically it depends on the bank itself. Secondly are you applying from the same bank that you owed in AKPK previously?
If yes, there is a high chance , it won't get approved. It is best that you check the CCRIS record yourself by going to BNM or signup for CCRIS.

No , I  am planning to apply from other bank not no related to my AKPK. It just they require my 6-month saving account activity bank statement(Maybank), previously i was using Maybank to transfer AKPK payment, so the activity will show there. My Maybank also use for my salary payment.  I didnt owe anything to Maybank and it's not under my AKPK programe.
eCCris I have and my AKPK records has been wiped off in this morning. My ccris record now totally clean like a new born baby.

Hi, you apply AKPK before? to convert your CC outstanding into akpk? How much interests they charged to u?
after finish paying to akpk then your record in ccris is like blank A4 paper?

Was with AKPK for 7 years and I just released from them on last month. Interest is about 8% if no mistaken.
I checked my ccris record this morning , yeah ~ its totally blank with no more AKPK wording appear there.
 

during your tenure with AKPK.... you manage to apply other loan or CC?

Was with AKPK for 7 years and I just released from them on last month. Interest is about 8% if no mistaken.
I checked my ccris record this morning , yeah ~ its totally blank with no more AKPK wording appear there.
 

it's totally freeze during AKPK time. Not allow for any loan/CC.

FYI, even if you completed your AKPK, you still unable to get CC from those bank you owed before. There are some suggestion to apply after 1 year coming out of AKPK

HI Guy/ Gals,

I need some to help understanding those items shown in CCRIS under the title APPLICATION FOR CREDIT. Early this year I bought a new car and apply loan to 2 banks, Maybank and PBB. Both the car loan applications are approved and i choose PBB. Recently I check my CCRIS and noticed that the MAYBANK application is still appears under "APPROVED BY FI".

I wish to ask how long does this record under MAYBANK will be removed? Reason that I'm going to apply for a housing loan and worry that it might affect my housing loan application.

Thanks in advance.

All applications in the previous 12 months for the borrower under:
• his own name;
• a joint name with another person;
• a name of a sole proprietorship; or
• a partnership or a professional body.

Shows the amount of applications and their statuses - whether approved, rejected or deleted.

URL: https://www.imoney.my/articles/how-to-read-your-ccris-report

How long are the records kept?
CCRIS shows repayment records of the last 12 months only, after which the oldest data is expunged.

URL: https://loanstreet.com.my/learning-centre/e...ing-about-ccris

HI Guy/ Gals,

I need some to help understanding those items shown in CCRIS under the title APPLICATION FOR CREDIT. Early this year I bought a new car and apply loan to 2 banks, Maybank and PBB. Both the car loan applications are approved and i choose PBB. Recently I check my CCRIS and noticed that the MAYBANK application is still appears under "APPROVED BY FI".

I wish to ask how long does this record under MAYBANK will be removed? Reason that I'm going to apply for a housing loan and worry that it might affect my housing loan application.

Thanks in advance.

I bought a new car last year and approved by 2 banks. I just called the other bank I didn't pick to remove from CCRIS and record is gone within 48 hours.

Noted. Thanks for the reply

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?

Update on the above issue:

I emailed the bank regarding the status of their so-called 'action'. The bank replied that the matter has been escalated to the respective unit but the application was still there in my eCCRIS as pending. I thought "ohh...maybe need 12 months to clear.", so I did nothing since then but last month, I applied for another CC in different bank. The application was rejected and I was surprised that the application was never appeared in my eCCRIS (I waited for quite some time for it to appear).

The new application was never appeared but the earlier application was still there as 'PENDING'. So I conclude that it is the bank's issue (I don't need to wait for 12 months), hence I submitted a form for verification in the eCCRIS. The verification approved on the next working day and the pending application for CC is no longer there. Okay guys don't wait for 12 months to clear your pending application. 

Does late payment for hire purchase loan affect ccris?

Hi. I also facing the same thing. I applied for 4 banks on house loan. In the end all also approved. Then of course only 1 bank can choose and i rejected the 3 banks. So  2 banks already deleted the enquirers/status in my crisis but only 1 bank left is still showing 'PENDING FOR CUSTOMER ACCEPTANCE'. I was just wonder why other bank can remove but this bank still maintain.

Can I request by calling them or find the mortgage consultant to ask them remove?

Maybe my case is different...