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

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MUM
post Aug 16 2022, 05:43 AM

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QUOTE(1mr3tard3d @ Aug 16 2022, 02:38 AM)
yeah, learnt about telelink previously but not working for me.
where the latest telco bill is required
...
but the prepaid service does not support  doh.gif
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Thanks for the latest try out results.

What about the method as in attached image in Post 3113?

What about the method as per the link in post 3113 too?

🤔🤔 Post 3113 use telelink too....which mean Prepaid card phone number will not be supported too as there is no telco bill to provide to them.

🤔🤔 If not on prepaid phone numbers, will your test out results still be the same or those links as linked in post 3115, by forummer canjeth, still works?

This post has been edited by MUM: Aug 16 2022, 06:24 AM
1mr3tard3d
post Aug 16 2022, 10:03 AM

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QUOTE(MUM @ Aug 16 2022, 05:43 AM)
Thanks for the latest try out results.

What about the method as in attached image in Post 3113?

What about the method as per the link in post 3113 too?

🤔🤔 Post 3113 use telelink too....which mean Prepaid card phone number will not be supported too as there is no telco bill to provide to them.

🤔🤔 If not on prepaid phone numbers,  will your test out results still be the same or those links as linked in post 3115, by forummer canjeth,  still works?
*
nope, got Unifi reply in December 2021, didn't try afterwards since not fulfilling the checklist
luckily the online registration was available in February 2022
successfully registered last time with the RM 1 online transfer process, much easier
canjeth
post Aug 16 2022, 02:08 PM

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QUOTE(1mr3tard3d @ Aug 16 2022, 02:38 AM)
yeah, learnt about telelink previously but not working for me
user posted image

where the latest telco bill is required
user posted image
but the prepaid service does not support  doh.gif
*
I'm on prepaid (Digi) too and have no issue getting the itemised biiling from my web account. Your email screenshot is regarding reload invoice; you should have requested for transaction/usage/billing history instead.

But I think any telco document or app screenshot showing your name and mobile number together would do - as BNM themselves stated; they only want you to proof that the number is registered under your name.
watabakiu
post Feb 11 2023, 03:17 PM

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When is the best time to get the most updated details? 16th onwards should be best right, because banks would have given the details to CTOS by 15th?
miyakochan89
post Feb 22 2023, 03:42 PM

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Sifu, I wanna ask, my CTOS score has always been good, 700 and above. But recently there’s one stupid CC mistake and charges me late payment fees and etc because they thought I didn’t pay my CC bills. Turned out that it’s their system didn’t refresh and didn’t capture my payment. Of course they waived all my payment fees after I called them and asked them to check, then they realised that I have already paid even before the due date.

But under my CTOS score, it’s already flagged as late payment, and I’m instantly down to LOW score. This doesn’t make sense when it’s not even my mistake! I might be considering getting a HP soon I’m afraid that this shit will actually affect the rates that I get later.

This post has been edited by miyakochan89: Feb 22 2023, 03:42 PM
watabakiu
post Feb 22 2023, 08:18 PM

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I suppose FI would refer to the most updated CTOS details. But here's to confirm that my understanding is correct. Bought the CTOS report waaaaay back in 2011, in which my score is low. Surely they are not refering to this outdated report anymore, right? Like they will see the Feb'23 records instead, surely?

I know this post is dumb, but paranoia got the best of me!
romuluz777
post Feb 22 2023, 08:21 PM

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The latest version would be applicable.

poco loco
post Apr 3 2023, 03:01 AM

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my ctos trade referee suddenlly gone aready by p1 wimax
i dint pay for over 15 years i think

combox P
post May 1 2023, 12:14 AM

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hi guys, how long coway full setlement to clean in ctos record?
ronnie
post Jul 14 2023, 01:06 PM

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I've cancelled my HSBC CC since March-2023, but the eCCRIS still shows my HSBC card today.
What can I do to remove it ?

This post has been edited by ronnie: Jul 14 2023, 01:06 PM
chesterst
post Sep 5 2023, 12:24 AM

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Out of curiosity, to those who qualify to get full exemption from PTPTN repayment (first class graduates), does this mean the whole PTPTN record will disappear from that person’s CCRIS? As good as the loan never took place?
xiaomoon
post Oct 17 2023, 03:49 PM

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QUOTE(ronnie @ Jul 14 2023, 01:06 PM)
I've cancelled my HSBC CC since March-2023, but the eCCRIS still shows my HSBC card today.
What can I do to remove it ?
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mine one is SC, march already cancelled, until now still showing in my eccris...dont know what to do
ronnie
post Oct 17 2023, 04:53 PM

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QUOTE(xiaomoon @ Oct 17 2023, 03:49 PM)
mine one is SC, march already cancelled, until now still showing in my eccris...dont know what to do
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contact the bank to remove it
xiaomoon
post Oct 17 2023, 04:57 PM

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QUOTE(ronnie @ Oct 17 2023, 04:53 PM)
contact the bank to remove it
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yours one removed by contact bank?
ronnie
post Oct 17 2023, 04:58 PM

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QUOTE(xiaomoon @ Oct 17 2023, 04:57 PM)
yours one removed by contact bank?
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yes... as it turn out my HSBC has -0.02 (they owe me) thus the account wasn't fully closed.
So i told them to take the 2 sen and remove from my CCRIS
13aby
post Dec 26 2023, 09:49 PM

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if supplier report my company and me to ctos , will it effect going oversea? new loan?
ronnie
post Dec 26 2023, 10:03 PM

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QUOTE(13aby @ Dec 26 2023, 09:49 PM)
if supplier report my company and me to ctos , will it effect going oversea? new loan?
*
Affects application of loans.

Going Overseas restriction is "not paying income taxes due"
MUM
post Mar 11 2024, 08:51 PM

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Just saw this, ...

High Court rules CTOS cannot create credit scores; orders to pay RM200K to a resort owner
BY Sharil Abdul Rahman
11 March 2024

The High Court today ruled that CTOS Data Systems Sdn Bhd (CTOS) does not have the power to formulate its own credit score. According to Judge Datuk Akhtar Tahir, there is no provision in the Credit Reporting Agencies Act 2010 (CRAA) to empower the company to formulate a credit score for its customer, nor create its own criteria or percentage to formulate a credit score.
https://soyacincau.com/2024/03/11/high-cour...a-resort-owner/

https://theedgemalaysia.com/node/704197

centaur37
post Mar 13 2024, 08:16 PM

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I have a Maybank CC. I owe them RM30k. It’s has been cancelled now. 3 months I didn’t pay now they say 3rd party debt collector handling this. I told them that I can only pay monthly RM2k and subsequently higher. They say cannot must settle at 70%. And they threatened me with judgement order sale. Can they file for bankruptcy? as I know the amount must RM100k above to file for bankruptcy. Do I continue to negotiate with the bank ?
MUM
post Mar 13 2024, 08:37 PM

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QUOTE(centaur37 @ Mar 13 2024, 08:16 PM)
I have a Maybank CC. I owe them RM30k. It’s has been cancelled now. 3 months I didn’t pay now they say 3rd party debt collector handling this. I told them that I can only pay monthly RM2k and subsequently higher. They say cannot must settle at 70%. And they threatened me with judgement order sale. Can they file for bankruptcy?  as I know the amount must RM100k above to file for bankruptcy. Do I continue to negotiate with the bank ?
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While waiting for value added responses, may I suggest,
1) negotiate with the bank directly
2) if not satisfied with the terms from the bank, then try seek akpk for advise or suggestion...I think it is free and not necessary must join their DMP

This post has been edited by MUM: Mar 13 2024, 08:38 PM

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