I have one question here, list of Blacklisted names for MARA Study Loans under CTOS or CCRIS?

Thanks b00n. A very helpful forumer just informed me that share financing from Investment Banks like HDBS, OSK and Kenanga will not appear in CCRIS. Only loans with the commercial banks like Maybank and CIMB shows up in CCRIS. Can you kindly confirm if the info is accurate?

Want to ask, if the bank charge LATE PAYMENT at credit card account, will it affect at CCRIS?

From what i know they won't remove anything on the record... it will be there forever.

The only thing they willing to do is add a comment in Remark Section as for whatever present status after we provide relevant document to proof.. ex of remark: full payment and settled or others.

just wondering how would bank provide a loan even though the remark showing it's been settled. Any comment?

My situation is - One of my friend signed up Celebrity Fitness last yeat around August 11 with one year contract. She moved to new house on Nov11 which is  far away from the center and didnt go there anymore. She didnt pay after that even though already sign contract for 1 year.

Will she categorized under CCRIS system?

CCRIS is a system created by BNM.
Every financial institution is required to submit their customer's credit conduct to this centralised system. Telco is excluded but they are plans to include all those government loans, korperasi, IPTA loans etc...but all these while just talks and rumours.
What is meant by credit conduct is mainly split into 3 major categories:
Applications:
- How many applications is being applied for the past 1 year.
- How much "line" is being applied.
Thus banks or underwriters would know how "desperate" this person is seeking for credit facilities. And out of these apps, how many is approved and rejected.

Outstanding Status
- It would show how many credit facilities one had i.e. housing loans, credit cards, OD, hire purchase etc...
- Each line would show each facilities with it's outstanding, limits and payment behavior, legal status if any.
- Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment.
- If it's a card with outstanding close to limit granted might not give a good impression.
- If it's like Hybz mentioned, he's always late by 2 days...the payment string might shows all 1. But since it's a consistent pattern, there's nothing to worry about. But word of advise, phone the bank up and change the billing cycle.
- Legal status would shows what legal action had been taken.
This portion is mainly for officers to judge how good is your repayment, how much "burden" once has, etc...the main evaluation criteria lies in reviewing this section.

Special Attention Status
- This would show mainly accounts that had been written off.
- Or under AKPK management.
Meaning to say if one appears under this section, sorry to say that it really leaves a bad impression.

So it's advisable to visit BNM twice or at least once a year to view your own CCRIS report.
This is to detect whether someone had misused your identity to fraud for apps also.
http://creditbureau.bnm.gov.my/index.php?ch=7&pg=10&ac=12
CTOS is an independent company which collects all legal notices published.
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.
http://www.ctos.com.my/CTOSHOME/home.htm
http://bris.com.my/html/about.html
BTW, there's no such thing as black list.
Banks or financial institution based on all the above reports to make their judgment.
One can be listed in CTOS but if it's not related or the severity is not major, there would still be no problem.
CCRIS, however everyone with credit facilities would be listed. As long as the payment behavior is consistently good than there's no problem!

FMB only handle dispute cases only....

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Added on April 24, 2012, 2:31 pmjust called up BNM

something u guys might want to know....

those supplementary card holder issue after 2006, they not liable for whatsoever principal owed but only the spending for supplementary itself only
those card issued before 2006, supplementary liable for full amount
my case....principal before 2006, supplementary 2007 , now the officer need to double confirm before can let me know the conclusion.

I paid full settlement my personal loan in 2010, before that my account status already Under Pemerhatian. So after kawtim the loan, bank give me a release letter saying that full amount has been made. Last year I went to Bank Negara just to check my CCRIS record and the status account still there Under Pemerhatian. I ask one of the customer service and they said, they will contact that bank. Last week I check again at Bank Negara but the status still there. Should I ask Bank Negara or the Bank?

  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 !

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.

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

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.

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 

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

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

Personal data Protection act
SOS--->The Star

will this act apply on CTOS