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CCRIS, CTOS, Blacklisted by Bank, Whats The different.
mt24
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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) Ah finally I got the recent copy of my CTOS report via email. Credit score is updated up to August.
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watabakiu
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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. hairan, coz didnt get mine. by right i should get two free reports per year
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mt24
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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 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
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watabakiu
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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. Records-wise, do both RAMCI/ CTOS carry the same details?
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SUSCardNoob
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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? I believe the scoring system are not the same.
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jefftan4888
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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? I’ve not compared the 2 before. But I’ve the free completed report from CTOS before. Nothing special.
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SUSCardNoob
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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. 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
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jefftan4888
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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. Not very sure which type. But I got it during visiting one of the property exhibition.
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Joey_Chin12
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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?
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SUSCardNoob
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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? 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
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watabakiu
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Sep 25 2019, 10:09 AM
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if one is under AKPK, can he apply for car loan?
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MUM
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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? according to him,....YES and here is his reason.... https://www.lawyerment.com/answers/question...nk-housing-loan
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watabakiu
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Sep 29 2019, 09:06 PM
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how far out to apply for loans after cleared from AKPK?
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netken
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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? 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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netken
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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? once cleared - you have to ensure all CCRIS are updated - after that should be good to go ...
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watabakiu
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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? 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 But car loans are collateral loans ie less risk?
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netken
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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? 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) ...
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CyrusWong
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Oct 4 2019, 09:32 PM
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QUOTE(CardNoob @ Jul 31 2019, 08:07 PM) Thank you mah score 649
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Hydeist88 P
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Oct 11 2019, 12:29 PM
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New Member
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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 :_(
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party
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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 :_( How much is ur outstanding vs credit limit?
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