very nice and easy to use, im register already, they said my account still pending...must call to ctos customer service, but ctos hotline no respond until 14-4-2020...

Cannot use email?

THanks for the information and insights..

you're right
i ignore can use email, haha
thanks for remind

Anyone knows how to resolve this? i think this is because previously i had a watermark on my IC when uploaded. then until now cant login due to this.

Contact CS via email.
Details are just few posts above ^

Hi All, how long will approved by FI status appeared in the ccris? I just realized something I apply for July last year still there

reading of this FAQs...
i think they will be placed under "Special Attention Account" in the ccris....
http://creditbureau.bnm.gov.my/faqs.html

my agar agar guess is, it depends on the amount owed,....

according to this....
According to the Malaysian law, you can become bankrupt when the outstanding sum involved is RM30000 (previously it was RM10000) or more with a default period of six months or more.
Defaulting on credit card payment is among one of the ways to be bankrupt.

http://creditcardlighthouse.blogspot.com/2...n-malaysia.html

thus CC debt can be sued for bankruptcy.....btw, the bankruptcy threshold had been raised to RM50000 from RM30000

17. Is there a minimum amount owed for a person to be a bankrupt?
Yes, the creditor may file for bankruptcy action against you if the debt owing is more than RM 50,000.
http://www.mdi.gov.my/index.php/faqs/bankruptcy

There Is Time Limitations To Your Debt
In Malaysia, under the Limitation Act 1953, there is a time limit in which a creditor can take legal action against a debtor..
This means companies must initiate legal claims within a certain time frame.
After that time frame has passed, a borrower is no longer obliged to repay their debt.
https://www.comparehero.my/debt-management/...-debt-collector

Extension till 31/5/2020

https://ctoscredit.com.my/ctos-cares?utm_so...Tusp3KsCClYW2ho

anyone knows how can someone with much much earnings/pay get a LOW CTOS score when there is no missed payment and all credit card/loan paid properly on time.

but the other person with lower earnings, but can get excellent CTOS score?

CTOS Score has no information of your earning/pay and thus that is irrelevant.

You need to understand what are constituted in compiling the CTOS Score.



CTOS Score: The Most Important Number For Financial Health
https://ctoscredit.com.my/learn/ctos-score-...nancial-health/

How to improve your CTOS Score?
https://ctoscredit.com.my/learn/how-to-impr...our-ctos-score/

just to add on to the limitation act, the certain time frame passes doesn't mean they cannot take any action anymore. There are actions of extension of the time limit. Once the creditor took the action to extend, the time frame will extend for another 6 years.

Hi Guys,

I would like to know whether by subscribing to the CTOS, any CTOS subscriber, be it an individual or enterprise user can simply request to CTOS to view my health reports without my consent ?

Would CTOS sell my personal info to other parties for telemarketing or other commercial purposes ?

Sorry for my lame English level, I don't quite understand the content in Terms & Conditions: Consent for Disclosure of CTOS Report


Thank in advance.

No they will not sell to 3rd party

Hi MNet,

Thank for your reply.

How about any other CTOS subscriber, be it an individual or enterprise user can simply request to CTOS to view my health reports without my consent ?


Thank you in advance.

Anybody received this offer from CTOS?

Yes, its good service to protect my ID