Sifus please help to advice. I have no lapse payments, all show 00000 in ccris, no blacklist from telco or anything what so ever, never delayed cc payment (always pay outstanding in full) but my ctos score is now 684. 1 maybank card limit 15k but I recently purchased something for 9k 0% interest for 12 months (I don't want to use cash because that can generate Daily Cash returns). Does this affect the score?

Googled and found this, ...

5 Factors That Can Impact Your Credit Score
https://ctoscredit.com.my/personal/5-factor...t-credit-score/

https://www.comparehero.my/articles/how-cre...ct-credit-score

ah okok that makes sense now. Thank you

"CTOS Data Systems Sdn Bhd (CTOS) does not have the power to formulate its own credit score, the High Court ruled recently"
"By formulating a credit score, CTOS has gone beyond its statutory functions"
https://www.nst.com.my/news/crime-courts/20...te-rating-nsttv

Yes but unfortunately there are still banks out there that uses their score Do you think CTOS will stop with credit rating though?

My Hire Purchase ends last month. How would this be reflected in the CCRIS? Does it get removed from the CCRIS this month onwards, or will I still see 0 for the following months?

This post has been edited by watabakiu: May 5 2024, 12:06 AM

I am ex AKPK , ccriss already gone the record but how about CTOS? i get info from banker that need to confirm CTOS remove the AKPK record if not cant get new loan . So Will CTOS remove together ?

Any idea which bank?

How is your MBB now?

I owe them 2nd months after volunteer out from AKu PoKai thn email for restructure fail , thn call again ask me to email again . And success after i pay the min i owe and balance is by agreed installment . btw the card also canceled due to previously enter AKu PoKai . Now i am Free Pokai just pay to bank as normal and CCRISS appear as Outstanding .

Some bank like HLB last time i remember they using RAMCI . CCRIS cukup la why CTOS pulak

This post has been edited by 13aby: Jun 21 2024, 08:47 PM

I’m in AKPK so far no issues. They didn’t call and disturb. Planning save some monies and settle them lump sum. Never look back at CC’s

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Hai to all.
I received call from a unknown person offer free ctos report and asking for my 3 month payslip. She also show me my loan details like home and car loan. And ask it is from which bank? She also shared with me detailed credit report picture which I believe is from CTOS. Do I need to take any action or just leave it. I didn't send any details like ic number or bank account. I wonder how come she can get my CTOS report.
I submit info to tng for free CTOS report once. Is my data leaked. Please advice. Thanks.

Hi, would like to ask how long it take to check the updated score for CTOS?

dang, i'm late by 2 months.

Hi Sifus, I have outstanding car loan for 2 month, after that i have sold the car and no longer in CCRIS. I loan with maybank later public bank called and recall about the car loan. Are bank sharing the information? so is hard for me to get loan for car?

Anyone here actually buy the CTOS SecureID? What's difference between the Rm27 report and SecureID?

Hi sifus, if I've got quite bad CCRISS report past 6 months is it a good idea to give authorization to bank to access my CCRISS? I was planning to ask bank for a restructure of my home loan. They ask to submit docs which gives them authroization. Just scared if they see how bad my record is would make situation even worse.

This post has been edited by noobieneub: Jan 3 2025, 04:22 PM

How long does it takes to show up in ccris? Used aeon cc for 1 month+ but ccris only show cc application only

Every banks have access to your ccris profile, all banks update the Ccris report