Bro, go to the bank and not CCRIS.
CCRIS getting the record update from banks.
So if bank don't delete it then it will remain in CCRIS.

Do a formal complain against the bank directly and CC BNM.
i.e. write in official letter to the bank asking the bank to remove the status reporting. This same letter at the same time, forward to BNM. Thus in your official letter to the bank, you need to put cc BNM thus they will take notice.

Ask the bank, and ask the feller update the BNM record manually .

Hi, need some help there...
the bank have upgraded my credit card in April 2012, can I check my latest-update CCRIS Report now ?
Because I heard the bank need few months to update their customer CCRISS Report to Bank Negara ?
Thanks !

This post has been edited by fly126: Jul 7 2012, 01:42 AM

Dear All,

I am not sure is this is the correct place to open a post but I am very upset till the max so I have no source but to express my feeling here. Okey lets go into the point.

Today I am suppose to open a saving account instructed by my education provider (University) at a local bank ( The best well known Chinese bank in Malaysia). I waited for more then 2 hour just to wait till my turn to open the saving account but unfortunately the PIC told me that my application has been rejected due to unknown reason. I question him on the reason whether is it CCRIS, CTOS or Bankruptcy but He refuse to tell me the reason. I feel humiliated and wrote complaint letter to the bank.

Now I have a lot question in my mind:

1) Can a bank reject my application for open a saving acccount and not giving any reason ?
2) If Yes, How I am gonna know whats going on with my finance status ?

The only thing that comes to my mind is that I am still owing another bank outstanding credit RM 10K but I am capable and will settle it by next week because the due date is next week....

Anyone can help me on this ?

Suggestion and comment and critic are welcome.

Thank you for your time.

i done a selfcheck on CTOS .. nothing appear in the report.. seem a bit weird...

SECTION A - IDENTITY NUMBER VERIFICATION
--- No Data Available Here ---
SECTION B - INTERNAL LIST/GROUP EXPOSURE
--- No Data Available Here ---
SECTION C DIRECTORSHIPS AND BUSINESS INTERESTS
--- No Data Available Here ---
SECTION D
--- No Data Available Here ---
SECTION E - TRADE REFEREES & SUBJECT'S COMMENTS
--- No Data Available Here ---


This post has been edited by steventan85: Jul 12 2012, 01:51 PM

Why do you need to check CCRIS after they upgraded your card?
You will see an increase in line. Btw, shouldn't take few months. It should be 1 month.

Usually account opening doesn't check CCRIS. CTOS maybe. Others may correct me if I am wrong.
Most of the time banks will reject opening of accounts due to bad cheque before, or AML reason which both also they will not disclose to customers.

Thanks...

No data available means nothing is blacklisted for u which is good news, nop?

ic.i tot its something like CCRIS report..

hye..if anyone want to know detail how to settle your ccris..or ctos..do call me..or click below...

Does CCRIS show the amount(RM) of your car hire purchase? Or only the payment cycle?

Hmm if I have a clean ccris record, but my personal loan application was rejected, what could be the reason? I do have uncleared cc and personal loan (which I nvr late to pay; cc i paid around the minimum monthly); I do intend to refinance the previous personal loan with the next one

both amount and payment cycle..

My wallet used to be snatched and the theft used my credit card to do some transaction. I reported it to financial bureau and the case went to court before the financial bureau made an decision on this case. After that, financial bureau did approve my case and the amount shall not be paid by me.

However, the process is taken abit too long and my name was blacklisted in CTOS. Does anyone know if there is any possibility that my name can be withdrawn from their system?

Hi people,

i cleared my CTOS last May 2012, how long does it take to remove my name from system?

is there any faster way to remove it? as i wanna get car loan

Have anyone heard of FIS? It seems that banks not only check ctos & ccriss. They also check FIS which is a system only financial institution have access.
If u are active with online trading and using ur personal acc for payment...it will trigger in this system and put u under "money laundering" / "fraud" list.
Happen to me & having problem getting any loan now...

i want to ask. i had bought a motorcycle of 3 years loan with a motorcycle shop. loan with the shop only. i made a payment through online. at first two years, everything was quite ok. its just that the tokey's wife quite langsi and ask her workers to keep calling and ask for payment. the problem is, last few month, the workers didnt update my payment and end up with two months due. i already inform the worker that i had made a payment and message her with the reference number too. then, this month, i found out that my name is already in the CTOS after my application to be a guarantor had been rejected.

my remaining amount for that motorcycle not much. its just around RM600 which should end in this year.

so, what can i do? can i sue the shop for insert my data in the ctos?

INFORMATION ON CTOS IS PERMANENT, It can only be updated to reflect if DEBT settled. But it still shows you used to owe them and had lapsed in repayments.

My father is blacklisted and he got two bank ctos record which is ambank and rhb bank, can he open a saving account in other bank?