depends what you are financing or trying to get a loan for. banks usually get the latest statement and if your credit cards or loan payments are slow for a month, they can see it right away. something we can't get access to

Any pajak gadai also will appear in your CCRIS.

I check my CTOS online and all section show : no data. Mean i'm clear on CTOS right？

For those of you who want to know how to "game" CTOS and "CCRIS", the inner workings and real-life applications are explained in these 2 links.
Everything you should know about CCRIS
Everything you should know about CTOS

Some Useful information here. Enjoy!

just one to ask. if our name blacklisted by CTOS , then we cannot open company account with the bank?

i check with CIMB...they wont allow the person with CTOS open their account..not sure all the bank apply this rules? any one can confirm?

today I want to open current about but bankers refuse to open my account

not sure it only permit to open personal coz I want to open the company account under my name

Can i check my CCRIS at bank negara on sunday?

CCRIS only open on weekday..

it took only less than 10 minutes to check it. park ur car near the gate.(be careful coz might get summon)

It applied to all bank, unless you know someone special to help you...

Alright~~ story here, I've about 5k debt at CIMB credit card~~didnt make any payment about a years already (due to financial problem n lost my job at the same time), CCRIS / CTOS for sure d. Just start my new job and planning to clear the debt by installment ( so nest time i can get loan for house / car easier), may i know the best / easier way to do the installment???? AKPK??? Balance transfer ( didn't know can i still apply for this since i've blacklisted)???? or any other way?
currently woking in a bank also, does this CCRIS / CTOS effect my job??? working in bank got any special rate to clear my debt???

maybe special rate on loan interest

some bank do reject applicant who been blacklisted..lucky u

hi all expert.

if get ctos still able to go oversea? will it affect?

dats y i dun dare to apply for anything yet, later suddenly kik me out~~ lol~~ I've interview 2 time to join dat company, so i'm very appreciate it, since my new life start, wanna clear my the debt for my future, so which way sud i use to clear my debt?

bro, like to ask u something. I'm currently working in an oversea bank and under probation. thiking to take akpk, would it affect my confirmation or would they terminate me if they found that i'm under akpk. tq

lol~~i'm worrying the same.

Pls do share with me if u know answer. Thank you

I am in the midst of getting a home loan, but i just remembered that i have been blacklisted by TM for my pending streamyx bill from my college days.

Will it effect my loan?

OMG,

My own company, got returned a cheque which wasn't suppose to happen.
I have sufficient balance before I issue the cheque, then it got returned.
Once I check with the bank, they said balance have but because of the remaining cheque deposit were delayed, so the balance that I checked on that day did not reflect the actual balance.

The main thing is, will it affect my personal credit or just the company? The company is formed under SDN BHD.

:-(

If i late payment for two months for my credit card n car loan i will get ccriss right even i settle all the two months loan on the third month....means after this i have problem applying loan or card in future? Or the ccriss record will clear

is there some way to get a ccris/ctos report on someone?