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

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mt24
post Aug 24 2019, 08:21 PM

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QUOTE(watabakiu @ Aug 24 2019, 07:12 PM)
we both meant to know, as far as banks are concerned, do they take the latest CTOS records available (i.e. current month) or the last available, like the 1 we see (in my case, updated in 2016)
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Ah finally I got the recent copy of my CTOS report via email. Credit score is updated up to August.
watabakiu
post Aug 24 2019, 08:22 PM

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QUOTE(mt24 @ Aug 24 2019, 08:21 PM)
Ah finally I got the recent copy of my CTOS report via email. Credit score is updated up to August.
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hairan, coz didnt get mine. by right i should get two free reports per year
mt24
post Aug 24 2019, 08:25 PM

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QUOTE(watabakiu @ Aug 24 2019, 08:22 PM)
hairan, coz didnt get mine. by right i should get two free reports per year
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In my case. This morning I purchased one time report. Logged in but report was the old one. Only few minutes ago they emailed me the recent report.

Probably u can write to their customer service and see what is their explanation.

This post has been edited by mt24: Aug 24 2019, 08:25 PM
watabakiu
post Sep 1 2019, 02:06 PM

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QUOTE(jefftan4888 @ Aug 24 2019, 04:51 PM)
You can have both.

I have RAMCI, something similar to CTOS. But I find it not much usage.

I subscribed it cheap during 50% offer for 3 years. But I decided to stop subscribing after 3 years.
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Records-wise, do both RAMCI/ CTOS carry the same details?
SUSCardNoob
post Sep 1 2019, 02:08 PM

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QUOTE(watabakiu @ Sep 1 2019, 02:06 PM)
Records-wise, do both RAMCI/ CTOS carry the same details?
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I believe the scoring system are not the same.

jefftan4888
post Sep 1 2019, 02:09 PM

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QUOTE(watabakiu @ Sep 1 2019, 02:06 PM)
Records-wise, do both RAMCI/ CTOS carry the same details?
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I’ve not compared the 2 before. But I’ve the free completed report from CTOS before. Nothing special.
SUSCardNoob
post Sep 1 2019, 02:10 PM

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QUOTE(jefftan4888 @ Sep 1 2019, 02:09 PM)
I’ve not compared the 2 before. But I’ve the free completed report from CTOS before. Nothing special.
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Free Basic CTOS report?
Or free CTOS Sore report?

The basic CTOS report has nothing much in it.
No CCRIS details.

This post has been edited by CardNoob: Sep 1 2019, 02:17 PM
jefftan4888
post Sep 1 2019, 02:16 PM

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QUOTE(CardNoob @ Sep 1 2019, 02:10 PM)
Free Basic CTOS report?
Or free CTOS Sore report?

The basic CTOS report has much in it.
No CCRIS details.
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Not very sure which type. But I got it during visiting one of the property exhibition.
Joey_Chin12
post Sep 1 2019, 05:00 PM

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Can I get the CCRIS pin at BNM during the weekend or holiday? anyone experience that?
SUSCardNoob
post Sep 1 2019, 05:04 PM

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QUOTE(Joey_Chin12 @ Sep 1 2019, 05:00 PM)
Can I get the CCRIS pin at BNM during the weekend or holiday? anyone experience that?
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If BNM opens weekend or public holidays, I had gotten the PIN of the eCCRIS since Day 1.

Try AKPK centre which is not attached to BNM branch offices.

This post has been edited by CardNoob: Sep 1 2019, 08:43 PM
watabakiu
post Sep 25 2019, 10:09 AM

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if one is under AKPK, can he apply for car loan?
MUM
post Sep 25 2019, 12:35 PM

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QUOTE(watabakiu @ Sep 25 2019, 10:09 AM)
if one is under AKPK, can he apply for car loan?
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according to him,....YES and here is his reason....
https://www.lawyerment.com/answers/question...nk-housing-loan
watabakiu
post Sep 29 2019, 09:06 PM

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how far out to apply for loans after cleared from AKPK?
netken
post Oct 4 2019, 10:54 AM

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QUOTE(watabakiu @ Sep 25 2019, 10:09 AM)
if one is under AKPK, can he apply for car loan?
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technically No - banks will always check CCRIS and it will show under AKPK ...

and if you are under AKPK, you aren't suppose to take another loan or CC - it defeats the purpose in the first place
netken
post Oct 4 2019, 10:55 AM

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QUOTE(watabakiu @ Sep 29 2019, 09:06 PM)
how far out to apply for loans after cleared from AKPK?
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once cleared - you have to ensure all CCRIS are updated - after that should be good to go ...
watabakiu
post Oct 4 2019, 03:38 PM

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QUOTE(watabakiu @ Sep 29 2019, 09:06 PM)
how far out to apply for loans after cleared from AKPK?
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QUOTE(netken @ Oct 4 2019, 10:54 AM)
technically No - banks will always check CCRIS and it will show under AKPK ...

and if you are under AKPK, you aren't suppose to take another loan or CC - it defeats the purpose in the first place
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But car loans are collateral loans ie less risk?
netken
post Oct 4 2019, 05:30 PM

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QUOTE(watabakiu @ Oct 4 2019, 03:38 PM)
But car loans are collateral loans ie less risk?
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yes you can say that ... but banks if they see CCRIS and you are under AKPK, they will avoid you like a leper ...

perhaps some banks may allow .. usually banks are afraid of CTOS, CCRIS and Insolvency (Bankrupt) ...
CyrusWong
post Oct 4 2019, 09:32 PM

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QUOTE(CardNoob @ Jul 31 2019, 08:07 PM)
Free CTOS report - collaboration with Citibank

https://ctosid.ctos.com.my/ctosid_new/CobSi...LNFLNTLSignUpHP
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Thank you

mah score 649
Hydeist88 P
post Oct 11 2019, 12:29 PM

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Hello, i just settled my hire purchase loan due to bad record at ccris. I checked back 2 days ago and the hire purchase record was cleared from my ccris. I have clean record now with outstanding credit card

The reason i cleared my hire purchase bad record is because i urgently need money and planning to apply personal loan. My first attempt is Aeon i-cash and im still waiting for the result since 2 days ago.

I applied 20K and my monthly salaries is 4.5K.

My credit card payment was good for the past 12mths.

Do u think i will able to get the loan? It was anxious when waiting for bank reply. They did called me 2days ago but i didn't manage to pick up the phone.

And now i haven't received a single call from aeon :_(
party
post Oct 11 2019, 08:28 PM

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QUOTE(Hydeist88 @ Oct 11 2019, 12:29 PM)
Hello, i just settled my hire purchase loan due to bad record at ccris. I checked back 2 days ago and the hire purchase record was cleared from my ccris. I have clean record now with outstanding credit card

The reason i cleared my hire purchase bad record is because i urgently need money and planning to apply personal loan. My first attempt is Aeon i-cash and im still waiting for the result since 2 days ago.

I applied 20K and my monthly salaries is 4.5K.

My credit card payment was good for the past 12mths.

Do u think i will able to get the loan? It was anxious when waiting for bank reply. They did called me 2days ago but i didn't manage to pick up the phone.

And now i haven't received a single call from aeon :_(
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How much is ur outstanding vs credit limit?

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