got once my car loan for july 2012 due date is 23rd July 2012 , i paid that months instalment on 14th September 2012 . this means from:

23rd July 2012 - 23rd August 2012 - 1 month late
24th August 2012 - 14th September 2012 - 3 weeks late.

my CCRIS will show car loan on July 2012 column as 1 or 2 ???

urgent help needed!

basically, if you late payment from due date till date you settle that particular months payment's duration 1-30 days CCRIS show 1 , 31-60 days CCRIS show 2 , 60-91 days CCRIS show 3 ??? right?

This post has been edited by blakedexter47: Dec 30 2012, 01:16 PM

Hi guys, what is the debt to income ratio allowed for banks to give out car loans? Can they approve if total monthly commitment is larger than let say 80%?

Another thing is I have joint housing loans. When banks calculate for my eligibility for car loan will they divide the housing loan by 2? Thank you sifus.

Even if credit card/loan late payment after 1 day of the due date, CCRIS considered as 1 in the report. Some still said that if due date is 1st each month, then you make payment before 30th (or within the same month) then your CCRIS will still show 0 . Because you still not One Month late payment. So confusing!

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Added on January 1, 2013, 7:08 pmEven if credit card/loan late payment after 1 day of the due date, CCRIS considered as 1 in the report. Some still said that if due date is 1st each month, then you make payment before 30th (or within the same month) then your CCRIS will still show 0 . Because you still not One Month late payment. So confusing!

This post has been edited by blakedexter47: Jan 1 2013, 07:08 PM

Hi guys, is it safe to provide information to register for CTOS online self-check? Thanks.

I checked my CTOS online, yes it is safe

It asks to agree on terms that they would provide your credit info to financial institutions. What about those who never register then? Do they just do it without permission?

Anyway, anybody know, once we settle a loan, will it still appear in CCRIS? Will it still show the record for the months before the loan was settled?

Thanks in advance guys.

This post has been edited by aiman04: Jan 2 2013, 05:38 PM

There's always "grace period" provided by banks, some 7 days, some 10 or 15 days.

once u fully settle yr loan with banks,automatically your loan record at ccris will be delete. yr track record of payment will gone. offcourse need to wait the banks to update the records with bnm every 15th of month

Thanks epul. That's great to hear. Much appreciated.

haiyakk
so surprised when i go to pajak gadai islam (bank rakyat) it will appeared in my CCRIS

worried to apply housing loan :-(

for sure reject , they going to see it as a sign of desperation on your side

but i could be wrong

Hi,

I tried to apply a personal loan recently but got rejected. The loan officer told me that I have bad record. I check with BNM (CCRIS) and everything look fine 0.0.0.0 but sometimes got 1 lah.. no special attention. Refer to BNM officer also she said OK. Then went to CTOS and my name free from any record as the CTOS officer printed for me the report. No record at all.

And am wondering that my name have a bad record for what? Any other source that bank use? I return to the bank (loan officer) she said I had record with RHB CC and Telco. Yes I agree but the RHB CC long time ago settled even not stated anymore in CCRIS and the Telekom one I did received court notice for bill RM639 but after I confronted with TM that is their mistake that they didn't cancel out my streamyx account when I upgrading to Unifi even I stated in Unifi application form to cancel streamyx. Then the case settle several months ago.

But now where the heck that bank get these two info? And for CCRISS and CTOS my name is clear. And I am blacklisted by who? Anybody please...

You been Blacklisted by Telekom...by receiving Court Notice
Once U kene Court Notice Teruk...lah
Do you have any Black & White with the Telekom Mistakes's Thing ???
If not try to get a copy of Letter (proof) from TM to clear your name at CTOS/CCRISS 1st & Confornt with the Bank later...

This post has been edited by fly126: Jan 15 2013, 12:48 PM

I would like to do refinance of my house, use that money to pay all credit card debts, car loan and personal loans. Housing loan still has 50K outstanding. Bank evaluate the house with ~300K. But bank rejected my application. Is it due to high debt ratio that they reject? If I try to settle those loans and apply again. Will they approve? Or I need to wait for 1 year after settling those loans. So far my record of paying debts is OK, no delay. Any suggestion you can advise? I really have problem to pay those debts anymore. Appreciate your advice. Thanks

Interesting question! If you said ur name is clear in ctos, where the heck did they know you got blacklisted with RHB CC or Telekom?? I checked my self online CTOS, everything clear, no data from section A to section D, but i'm worried if i had any old blacklist. Where to check all these bad record history?

My CTOS report shows that I have records from 3 local banks for credit card arrears in 2009. Can I still open a basic saving account from international banks such as Citibank or HSBC for salary purpose? I will settle my old debts later but now I need to have the job first. Hope someone here can give me some indication. Thank you.

Usually for blacklist by Telco is not available through CTOS.
Usually Telco will check whether customer is blacklist by other Telco through Telco listing.
It is better that you check with Maxis since you know that you are blacklisted.

Should be no problem......

Should be no problem......

Bankers due date for sending data to BNM on 15th of every month.
You are consider 1MIA in CCRIS report.