this is conisdered high or normal?
I don't have a home yet so I don't have get the picture on this.

What is the pros and cons of Signing Up CCRIS & CTOS online?

They will get my details regardless I sign up or not right?
It's not totally free except eCCRIS right?

Thank you!

anyone is pro in reading CCRIS report? pls help to translate below info.

my cc rate is CC scoce: 566

-bank revolving account balances are relatively high in proportion to credit limits
-average overall credit allowance i relatively low
-number of enquires reported is concerning
-no account with collateral

also under credit application i have one with maybank and the facility/app type is "N" what does it mean?

kindly help pls. thanks.

Hi all,

I would like to ask if anyone of you have been a guarantor for someone else, will your guarantee's account show up in eCCRIS even if your guarantee has been consistently paying off their loan?

Thanks in advance.

Yes it is low I will be paying off my outstanding soon to improve my credit score. Also, how to remove remarks being made by a bank? Can I request the bank to do so after i pay off all outstanding? Kindly advise. Thanks

In my ccris theres a remarks as below:

1. There is delinquency (past due with no minimum payment) in your credit report.

However, for the past 1 year i always pay on time and not minimum amount. Why the remarks is still in my ccris. Can I go to my bank which is RHB and ask them to update? If yes, whom should I meet regarding this?

Advise pls all sifu. Thanks

thanks for your reply. anyway, do you know how long the rejected cc application will be in CCRIS? a year? will it be clear by itself after a year or how?

kindly advise please. thanks.

Where did u see the score 566 at CCRIS report?

after they send the update, any idea when will it be reflected?

i see. cancelled many credit cards recently. just want to make sure they are all properly cancelled rather than put on hold.

yup, any issue if check eccris too often? I see there's a historical request for it in eccris.

It takes less than a few minutes at the kiosk

I bought from CTOS apps. it is a pretty good apps so that you know where you at and to control your spending habits as well

do bank look at ctos account?

i think they just look at ccris

Hi, just to ask on behalf of my relative. my cousin has been declared bankrupt and he did not have a job for like more than a year and now he just landed on a job, usually how can he report to insolvency that he wanted to start paying monthly to clear off his debts? also usually how many percent from the salary the insolvency agency will deduct monthly?

thanks in advance for all the answers.

for report from mycreditinfo, do I have to pay for the report every time I request it? meaning I've to pay rm15.90?

There are three (3) types of Personal Credit Report available in RAMCI. All prices are inclusive 6% service tax.
Personal Credit Report BASIC (PCRB) - RM10.60 per report
Personal Credit Report PLUS (PCRP) - RM15.90 per report

As RAMCI self-check user, you will get One (1) complimentary Personal Credit Report Basic (PCRB) on your birthday month.

CCRIS, which stands for Central Credit Reference Information System, is managed by Credit Bureau of Bank Negara Malaysia, and maintains the history of all the credit records of all the customers. CCRIS holds the vital information about the individuals that is required by the banks and other financial institutions.

for more information:CCRIS

Do you know the report paid version has any extra information compared to free version? I am thinking if I should buy the paid version at least once a year ...
Thanks!