Ram or ctos also can

Got edi

Which card you applied?

well as long as not listed in ptptn, bankruptcy or magistrate order then it's fine

Dear,

1. The credit card will still consider the same account, hence the status will still show "2"

2. to remove the CCRIS arrears record, cancel your card and apply a new one.

3. If you replace the card, it will still show your arrears payment. If not everyone will use this loop whole to clean their ccris record... 

CHeers

Hi,

A question. I recently booked a house and now looking for home loans, submitted to 4 banks but before that I cleared my car hire purchase and got the e-batal and release letter. So I submit all this together with the application forms.

However, there are two banks keep insisting on the hire purchase offer letter (which I can't find, and the hire purchase bank said need to pay to give me a copy )

My question, why need the offer letter when already have e-batal and release letter? 2 banks said no need, and the other one said for support document only, if got better. One bank said must have because want to clear CCRIS. Do I really have to get the hire purchase offer letter to clear CCRIS? Why the other 3 banks don't insist, this one bank keep asking me to get the offer letter??

I thot it takes 6 mths to clear from ccris?  Someone please correct me if I am wrong.

I have defaulted PTPTN for months and now I wish to clear off the outstanding in 1 go (note: outstanding, not full loan).

I understand that CCRIS record will be updated in every 10th of the month - but will the previous default record still be shown in the CCRIS report after i clear off the outstanding?

Many thanks.

Thanks for the reply guys.

But actually i am just settling the outstanding, not the full loan itself.

So as i know, although our record on outstanding will be cleared off from CCRIS, the banker can still check previous record to see if there is any "2" or "3" right?

Because as i have read, only settlement of full loan will completely clear off every record from CCRIS.

Any idea?

Hi..

For CCRIS under the 'Application for Credit' section what does the status 'Approved by FI' mean?

Hmm... I thought mycreditinfo only charge rm10?

Ok... mycreditinfo got a report plus and also gives rating.... let me check out on CTOS... thanks.

RAM only RM10 with scoring

If I may ask... how does the scoring differs between RAM and CTOS? End of the day it is up to financial institution if they wanna refer to RAM or CTOS right?

Actually no such thing as 6 months waiting / cooling period.  If an applicant's credit application is rejected by a bank, the rejection record is not visible by the other banks.

i have a car loan for 4months...