no problem to open account. CTOS / CCRIS is fine, as long as no BANKRUPTCY issued to him.. cheers

Hi guys,

Recently I went to BNM to check on my CCRIS (planning for housing loan) but when I printout the report, it stated there, "No credit record on files"

I have no loan as of now but I do use credit card frequently (average 1-2k per month). My banker told me that if I have an actively used credit card, my CCRIS should have some record. Is that true?

She told me that possible reason is that my credit card bank did not submit the information to BNM thus there's no record. Have any of you guys encounter this before?

Ca anybody confirm whether loan with MBSB will be reflected in CCRIS? How about with other insurance companies?

This post has been edited by jerry88: Oct 2 2012, 03:26 PM

Just want to ask if owning bank of bad credit card payment is it still eligible for opening saving account on that bank? asking behalf of friend related to his salary payment from his company require that bank

Dear Sis and Bro,

Hi, attached is my CCRIS report, my current income is 5k per month, will there be trouble to apply housing loan for 400k condo?

and the "2" show in my ccris report is due to bank problem, is that anyway i could revise it?

http://img.photobucket.com/albums/v480/ter...zpsc5d924d9.jpg

Even P1 broadband unpaid bill will send you to CTOS.

MBSB I don't think so. But loans from most insurance companies will be reflected.

althought the 2 could be the bank's mistake, but overall your CCRIS looks fine. Should be no problem.

---

Added on October 8, 2012, 12:46 amAny summons filed against you in the court of law wll be reflected in CTOS because CTOS is known as negative bureau where they collect "published" legal notice and file it into a database.

This post has been edited by b00n: Oct 8 2012, 12:46 AM

Few Days ago, I have a Check on Credit Report at BNM...
I find out that there was an Error at the Credit Card No. on My Credit Report
Is it We Need to Inform the Bank & Ask them to make a Correction on that...???
Or We can do it Ourself at BNM...

Please Advices...Thanks

Didn't BNM officer advise you?
Anyway, you may file a complain against the specific bank asking them to rectify and cc BNM.

Just call CS about this, Problem solved already nothing to Worry now...
( because there was Two separate set of account number one was account reference no. & another 1 was card number)

Btw, thanks for Your Reply

Do you know where can I check these summons?

my name is appear in CTOS section A, may i know what it mean?

Section A is your directorship, business etc...

It is Section D where ppl should start getting worry because Section D is where the summons, winding down notices, bankruptcy petitions etc published.

This post has been edited by b00n: Oct 23 2012, 06:30 AM

thanks for the info.
May I know what is the impact for loan application if my name appear in section A?

base on what criteria the name will in section A?
Cox I'm no idea why my name will be there..


This post has been edited by yyeeing: Oct 23 2012, 11:24 AM

Sorry on my previous statement.

Section A is nothing but IC and name verification.
Section B is CTOS internal list on AMLA
Section C (which I mistook for section A in the previous post) is on Directorships and Business Interests
Section D is like I mentioned in my previous post - legal notices, bankruptcy, civil suits etc...
Section E is if there is any input by creditors or trade references.


So IC and name appearing in Section A is common. Like I mentioned, the important thing is nothing listed in Section D.

thanks boon..

May I ask how to check CTOS without need to go to KL?

If You in Penang, Johor Bahru, Kuala Terengganu, Kota Kinabalu and Kuching, you can obtain the credit report from Bank Negara Malaysia branches just bring your IC there
OR you may apply for the credit report by completing and send back to them the following:
Credit Report Request Form (CRR )
Loan Declaration Form
WITH
*A clear photocopy of your MyKad (both sides); and
*Any combination of 2 other documents (with your name and address stated clearly on each copy) from the following:
*Driving licence;
*Passport;
*Water bill;
*Electricity bill; or
*Telephone bill.
However, if the above documents are not available, you may provide alternative documents such as:

>Bank account statement;
>Credit card statement; or
>EPF statement.
The Credit Report Request Form and Loan Declaration Form are available from our website, creditbureau.bnm.gov.my

Please mail or fax or email the completed forms and supporting documents to BNMTELELINK, Bank Negara Malaysia at:

BNMTELELINK
LINK & Regional Offices
Bank Negara Malaysia
Jalan Dato' Onn
P.O Box 10922
50929 Kuala Lumpur
Fax No: +603 2174 1515
Email: bnmtelelink@bnm.gov.my

This post has been edited by fly126: Oct 29 2012, 03:27 AM

How about in Ipoh, Perak? Got any branch there?