- Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment so & so...
More Details On, https://forum.lowyat.net/topic/741069 Post #14

Noted with thanks, Sifu

I have converted my cc debt to term loan and i already fully settled everything. Does my status affect me if i want to apply for a car loan? Should i go and check somewhere if my name is blacklisted or something?

Yes, You should be & Pls Refer to Above Post for How/Where to Check Your CCRIS & CTOS ....

hi i have previously defaulted cc for 1 year, but recently did full settlement, how long only can i opt for a new auto loan? which bank are the least strict on giving out auto loans?

i have no loans with me now, after settling the cc, with the income of 4k p/month

This post has been edited by kangry: Jul 12 2013, 04:52 PM

My ccriss sometimes got 1 on it due to salary late ... Will this effect my loan approval in future or can talk with the bank cox late 5-7 days only not din pay

I believe that you're now blacklisted in CTOS (Due to default over a year), the bank has sent you numerous reminder before that. I think you gotta wait for 6 months (from the date of settlement letter), approach to your car dealer, they will tell you which bank to go for

How do you know there's 1 on your CCRIS report? You checked from BNM before or submitted loan application to bank? Basically 1 is still ok. But I do not think that 5-7 days will be captured in the CCRIS. Anyway, you should be fine...

I go print my ccriss record at bank negara

My car loan due date is 25 every month if i pay before 1 of next month ok my 1 record is when i pay it on the 2 of next month means late 7 days

All my commitment record 1 only so far not yet reach 2 ... So even few months is 1 no 2 thn will be fine?

Oh. You got ur report printed... Great. Keep it for ur self and don ever show it to others. 1 month is ok (acceptable by all of the banks) But not 2 months consecutively for 3 times. Or appeared in >3. You will be fine in any loan application. Also, try to maintain low usage of ur cc too.

Good , cox i planning to get housing loan ... Hope all my 1s does not effect it ...

i want to ask noob question..

can a person in ccris become a guarantor for car loan?

Sorry... I don really get it? What do u meant? Are u trying to say if someone is blacklisted, could that "someone" be a guarantor for car loan?

Well... the bank will check your docs as well... I meant your monthly commitment and all those, if your existing commitment is too high, the bank will reject your loan too. Most of the time - these are the reasons...
a. Insufficient income / high commitment
b. Unjustified income docs
c. Bad repayment records
d. No repayment track records (normally for those fresh grads)
e. Unfavorable property (blacklisted area due to developer/flood area)
f. and etc...

My credit report show 0 all the way
Check with CTOS n no problem but my personal loan application is still rejected.

Anyone can give me s reason for this or should i go to BNM n check with them???

You don have to go to BNM, just ask the bank officer where u applied for the PL. Easier...
Most of the time - these are the reasons...
a. Insufficient income / high commitment
b. Unjustified income docs
c. High utilization of cc (maybe u make prompt payment every month, but used up to 80% or more of ur current limit)
e. Low basic/highly depending on comm or allowances

But my banker said he dont know why it is but my credit currently is high due to wedding preps spending. So i cant apply for personal loan due to high amount of credit amount?

Any advice for me guys?

ok sorry.

i just realized it after post it.

in the ccris, it will state whether the person is blacklisted or not? no?

in my logical thinking, if someone is blacklisted, he cannot be my guarantor?

if u dont mind, may i know whats the reasons my application to get car loan need guarantor?

im a 26 y.o, no commitment, self-employed and earning 4k average.

planning to get loan 75k-80k and monthly would be around 850-950.

im really new in this, really. so i might ask stupid questions.