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hi,

I hope someone can clarify this for me:

If I apply for a supplementary credit card under my wife's principal credit card, will the CCRIS for the supplementary credit card be reflected under my name or my wife's name?

I had a bankruptcy case before but I settled fully and was discharged in 2018 and CTOS record is clean but I have trouble getting credit card as my credit score is still low even though I have a car loan with my wife acting as a guarantor. I have a an excellent payment record for my car loan for the past 1 year.

My work requires me to travel sometimes and having a credit card under my name is necessary but I have no luck getting a card on my own.

I appreciate any feedback on this.

Thanks for reading and replying.

Hi
Is checking CTOS good enough or equivalent to CCRIS?

Hi, would like to check that if late payment on utility bills such as tnb bills will affect our credit card/loan application?

No because no database to record it.
But when they may ask to put your account into special attention if you default/ignore the outstanding after receiving letter from their appointed debt collection agency.

Hi.

I had taken RM10K loan from a loan shark through my brother few years back. When i wanted settle i give the money to my brother as he told me he will settle with them with discounted amount. I believed him never even ask for the receipt. And i didnt receive any calls from the loan shark either.

Now my name is under ctos. I confront my brother now he admit that he have used the money. My house refinance loan is under process. I need to settle those 10k to clear the ctos. But the loan shark registered only m500 in ctos not 10k.

Can i seek ctos's help to settle this? Is there any mediator in ctos tht will help talk to the loan shrk people to reduce the amount? Please help me guys. Any way to come oit of this situation?

according to this...

Got problems, who do you call? Chong!
he is the head of MCA’s Public Services and Complaints Department, which include facing loan sharks on a weekly basis,

http://www.mca.org.my/2/Content/SinglePage...1812&_param2=TS

Basically u mean ur brother only pay 9.5k to loan shark hence there balance of 500?

For CTOS Secure ID, there're a lot of info that needs to be provided in order to have an effective & efficient monitoring:

Hi i have trade reference on CTOS but already made payment to it. but the company refuse to delete. what can i do?

it makes me hard getting loan/cc

according to this, .....
Know what can be removed
Outdated, negative information.
In most cases, negative information, even when accurate, won’t haunt you forever, especially when it has been settled.
Your credit report may reflect lawsuits, judgments, liens, foreclosures, bankruptcy, late payments, and charged-off accounts for a number of years.
Once the relevant time period has lapsed, you may have the information removed from your credit report.
Do check with us for timelines for such information to be displayed, and when the information can be removed from your report.
https://ctoscredit.com.my/personal/remove-c...nformation%20is.

Hi MUM,

If i have my bank slip (with that shop name) and shop Ofiicial Receipt is it enough to forward it to CTOS because i asked the shop for release letter they said no such thing.

anyway, thanks for the link

what is stated in the receipt?
it could be payment for recent purchases not the full IOU repayment.

True. But when ask about release letter, they mention no such thing provide by them. Anyway, thank you. I just provide the receipt if bank ask

Hi GrumpyNooby,

Can it monitor our IC number in the dark web ?


Thank you.

Hi Guys,

Do you guys ever read the CTOS's PDPA policy while signing up the CTOS Secuire Id online which can be found here https://ctosid.ctos.com.my/ctosid_new/Privacy

There is a paragraph mentioning the TRANSFER OF YOUR PERSONAL INFORMATION OUTSIDE MALAYSIA .

It mentioned that our personal information will be stored in a server which may be located outside Malaysia.

Would there be security and privacy concern from the jurisdiction point of view although the service provider is bound by an agreement that ensures a high standard of privacy protection.


Thank you

Not asked to provide.
Maybe not.

Hi ThorWP,

I would to know whether CTOS allows the watermarking of digital image of NIRC?

Thank you.

no they dont. u need to upload a clear image to them without any watermark. thats how i got through.