what is BIS and FIS ?
CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Sep 11 2009, 03:29 PM
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Senior Member
2,276 posts Joined: Jan 2003 From: subang, sunway, puchong, pj -- does_this_annoy_you?  
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Sep 12 2009, 03:23 AM
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Senior Member
7,496 posts Joined: Feb 2007
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Is CCRIS still being recorded after u have terminated the card eg. there is a technical backend issue and there are still charges on the card ?
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Sep 28 2009, 02:34 PM
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Junior Member
64 posts Joined: Sep 2009
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im applying housing loan joint venture with my wife
my salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330 i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house |
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Sep 28 2009, 03:07 PM
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Junior Member
226 posts Joined: Feb 2007 From: KUala Lumpur 
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maybe you could throw in more down payment the chance will be higher.
btw, please think carefully, since your appear in 3months, do you think you can still manage another loan? you and your wife salary = RM5K your commitment = RM2.5K left RM2.5K 1K for home loan repayment. are you sure 1.5k enough for both of you? include petrol, lunch and entertainment. |
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Sep 28 2009, 03:23 PM
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Junior Member
64 posts Joined: Sep 2009
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i have side income generated by i dont have papers to show that !
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Sep 28 2009, 03:41 PM
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Junior Member
226 posts Joined: Feb 2007 From: KUala Lumpur
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I'm just telling you that what loan officer will think before approve your loan. don't really care how much side income you have, and you can't prove it to the bank also.
if your side income generate healthy, I don't think there is any default payment. |
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Sep 28 2009, 07:55 PM
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Junior Member
31 posts Joined: Jun 2009
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QUOTE(thilanesh @ Sep 28 2009, 02:34 PM) im applying housing loan joint venture with my wife With those 3.3.3.3.3 on Your CRISS is Total OUT. Once it Enter 3 month in Default, it like going to be NPL. Update Your Car Loan to Current before 30th of each month. Then Apply after 16th on the following month coz normally Bank don't update on current month. it will be update after 15th. So Your CRISS will Show 0,3,3,3,3,3 at least it will increase your credit scoring on the Loanmy salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330 i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house  |
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Sep 28 2009, 09:41 PM
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(thilanesh @ Sep 28 2009, 02:34 PM) im applying housing loan joint venture with my wife ur application will failmy salary is 2.5k and my wife salary is 2.3k we have 2 car paying for 2.2k per month, i have a personal loan 12k paying monthly rm330 i checked my credit report with bank negara and notice my car payment show all 3 3 3 3 3. what are the possibilities for my loan get approved ? i paid the depost 10% for the house |
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Oct 27 2009, 10:02 PM
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Senior Member
2,215 posts Joined: Nov 2007 From: Cheras, KL.
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sorry what does the 3 means? what happen if i am fewdays late for my housing loan? it will show 1 instead of 0? jst curios.
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Oct 28 2009, 10:03 AM
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VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods.
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QUOTE(Eng_Tat @ Oct 27 2009, 10:02 PM) sorry what does the 3 means? what happen if i am fewdays late for my housing loan? it will show 1 instead of 0? jst curios. 3 meant you missed 3 payments. It's quite easy to understand. Pay a visit to BNM one of these days to extract your CCRIS report and they would explain in detail to you.If you missed a few days, also it would be shown as 1 i.e. missed one payment. |
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Oct 28 2009, 10:40 AM
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Senior Member
2,215 posts Joined: Nov 2007 From: Cheras, KL.
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boon do i need to pay $$ to extract ccris? also for the pass 3 month i miss by fewdays my payment (i think so), so it will show 111, i only owe cc about 22% of limit and house loan, but the house loan got no due date one since its od facilities.
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Oct 28 2009, 11:36 AM
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VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods.
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As far I can recall, no need or maybe a nominal fee of RM2.
Pls visit this website: http://creditbureau.bnm.gov.my/index.php?ch=5&pg=7&ac=10 for more country. |
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Oct 28 2009, 12:34 PM
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Senior Member
673 posts Joined: Nov 2008
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QUOTE(Eng_Tat @ Oct 28 2009, 10:40 AM) boon do i need to pay $$ to extract ccris? also for the pass 3 month i miss by fewdays my payment (i think so), so it will show 111, i only owe cc about 22% of limit and house loan, but the house loan got no due date one since its od facilities. FOC,just show your ic and scan your thumb print |
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Oct 30 2009, 12:14 AM
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Junior Member
41 posts Joined: Oct 2006
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QUOTE(Eng_Tat @ Oct 28 2009, 10:40 AM) boon do i need to pay $$ to extract ccris? also for the pass 3 month i miss by fewdays my payment (i think so), so it will show 111, i only owe cc about 22% of limit and house loan, but the house loan got no due date one since its od facilities. no.. it show 0 0 0 coz its does exceed more than 1 month |
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Oct 31 2009, 05:04 PM
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Senior Member
2,308 posts Joined: Jul 2007
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QUOTE(Eng_Tat @ Oct 28 2009, 10:40 AM) boon do i need to pay $$ to extract ccris? also for the pass 3 month i miss by fewdays my payment (i think so), so it will show 111, i only owe cc about 22% of limit and house loan, but the house loan got no due date one since its od facilities. it will onli show 1 if you default payment for the whole month after due date.anyway, i think for any applications for banks, as long as you dint have any bad ccris records during the pass 12months, the approval shudnt be affected by ccris. bad record in ccris = late payments towards any financial institute. the satisfactory level is late payment no more than 2months for consecutive months. means, if ther's 1 or 2 (non consecutive) in your ccris traffic is still consider green. if ther's 3 in your record. then bye bye bye lo  This post has been edited by ahnien: Oct 31 2009, 05:05 PM |
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Oct 31 2009, 05:13 PM
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Senior Member
2,215 posts Joined: Nov 2007 From: Cheras, KL.
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thanks ah nien, i am going to bnm for the first time to check my ccris this monday.
Added on November 3, 2009, 1:13 pmi check my ccris today, usually how long it takes for them to update the system? let say my loan amount already decrease? tyty This post has been edited by Eng_Tat: Nov 3 2009, 01:13 PM |
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Nov 12 2009, 09:12 PM
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Senior Member
2,703 posts Joined: May 2007 From: where you need wings and awakened to reach
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QUOTE(b00n @ Jul 15 2008, 11:29 AM) CTOS is an independent company which collects all legal notices published. thanks for the info....So happy4ever is right that they are collecting from newspaper. Note the word "published". So they either took it from newspaper or notice board outside the court. They never approach "first hand" to credit companies like you mentioned! CTOS is different from CCRIS as it only reports what was published. Even inclusive of normal civil suits which doesn't really involve financial institution. That is why CTOS is still widely used besides CCRIS as CCRIS like I mentioned above only store reports from "financial institution". Whereas if one company or one person decided to sue you for defamation, or other legal matters and are being brought up to court, it would be captured under CTOS after the legal preceding is done and legal notice is issued. CCRIS would never capture those instances. There's another company out there quite similar to CTOS, which is known as BRIS. Just that it's more focused on corporate side. recently, one of my supplier told me that they could buy this information, on my company`s financial strength, credibity, debts etc.... as that is how they check on my company before giving credict limit to me |
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Nov 12 2009, 11:13 PM
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VIP
9,137 posts Joined: Jun 2007 From: Wouldn't be around much, pls PM other mods.
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@Awakened_Angel,
Yes, CTOS and BRIS is opened to all who pays (as the information is already all public published items). But not CCRIS. |
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Nov 13 2009, 10:44 AM
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Senior Member
2,703 posts Joined: May 2007 From: where you need wings and awakened to reach
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I see..... so there are no secret anymore in this world....
everything is documented and merged.... |
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Nov 13 2009, 11:32 AM
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Junior Member
338 posts Joined: Aug 2006
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QUOTE(b00n @ Nov 12 2009, 11:13 PM) @Awakened_Angel, CCRIS also is available to banks who pay. But they won't be able to see details such as which bank you got the loan from. They can still see the payment monthly, payment records and total commitment. How do you think they get your total commitment record for loan purpose?Yes, CTOS and BRIS is opened to all who pays (as the information is already all public published items). But not CCRIS. |
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