Finally, registered eccris.. Surprisingly, a lot of people using the kiosk at bnm..

I just printed my CCRIS report recently, saw there's record of my cancelled credit card years ago, will these affect my future credit card application if there's too many cancelled credit card?

You could get it FOC at
https://ctosid.ctos.com.my/ctosid_new/cimb_A

To anyone who completed the survey and got the free code, how long is it valid for?

if you cancelled your card already arent it suppose to be no show? can someone advise?

Hi, newbie in this thread. Is there a way to get both CCRIS and CTOS statement online? I preferably via email.

Teach me please. Thanks.

may i know how does this imoney credit score related to CCRIS and CTOS?

https://creditscore.imoney.my
https://creditscore.imoney.my/credit-check/faq

so the free credit score provided by imoney is the same as the paid credit score provided by CTOS?

Will it be shown in the CCRIS/CTOS the CC amount outstanding, or only the CL is shown?

See, and this how they determine the credit utilisation! Thanks

I am curious as to how Charge Card expenditure is reflected on CCRIS?

Charge card doesn’t have a preset spending limit so how do they determine the figure to put as financing limit on CCRIS report as there is no such thing as a clean cut credit limit?

Hi guys, I've a few questions.

1. According to the website of DirectD (http://www.directd.com.my/123), installment plans are available even without credit card usage. Will this in any way affect my CTOS/CCRIS credit score?

2. If I had a credit card and used the installment plan offered by a credit card, I'm always advised to pay the full amount of the installment plan before the next statement charge. Is it bad for my credit score if I pay above the minimum amount required by bank monthly, but still take a few months to pay?

Eg: Installment plan of 12 months for RM1200, repay RM500 per month for 3 months (with interest rate). Will it affect my credit score?

each report cost rm25? or per yrs?

purchased the report fr ctos... any idea how the rating is computed?

wonder if get cc with high limit, world it improve the rating ( assume same OS debts).

wah geng   

can u share on how u achieve such high score?

How long was the period being tracked by CTOS to obtain that score?

"The score could drop significantly if you have high utilization on your credit cards."

Let's say if i have higher than normal utilization on my credit cards, but i still pay all the balance by the end of the month, my credit score will still drop?