Hi all, I have a outstanding balance which rm80+ on celcom bill , and this bill i suspect they extra charge another one month bill which I remember I have clear it off, tats why I have on hold repayment first.
Now the banker collector(i guess is collect debts from celcom) keep forcing me to pay for it, otherwise sound like threaten blacklist me in CTOS.
So back to the question are they able to blacklist me into CTOS? will and any consequence happen?

if i had settled my hp loan in this mth, will it appear again in next mth ccris report...

if i have fully settled the loan... that whole loan will.b removed on following mth

Hi,

If we take cash advance, will it affect our credit score?

Thank you.

Oh, so the score is affected due to high credit limit utilisation (But if the cash advance amount is low, the score wont be affected right)?

Thank you.

My credit score is different between CREDIT BUREAU MALAYSIA and RAM CREDIT INFORMATION. Which one is more credible to follow? 

      Tqs.

When Financial Institution does a hard pull on CTOS record, do they get the latest report and scoring?

Coz in 2016, i purchase CTOS report, and in there got score (poor rating) and special attention.

But special attention sudah clear, and score should go better. But i havent purchase the latest report.

My scared is that FI is referring to the last score i got when  i purchade the report!

Dats good to know. But if they were to obtain the CTOS record, they would be getting the latest report and score, right?

Wanna ask, how long would CtOS record stays?

But that's CCRIS, right? I meant to ask for CTOS.

usually how long will it clear my previous data?

I have one bad record which might be one of the reason i can't apply for CC

i've been good and maintaining my account and its has been green for more than 6 months but i've check with credit score, that particular bad record still there.   

Hi. I saw your explaination on this.

How about this?

Credit Card card cut off for statement is 20th monthly.

1. Total spending 2.5k
2. Statement out - captured 1k [payment due]
3. I paid the statement due 1k [clean].
4. The remaining balance of 1.5k is not due yet [next april 20th statement].

Will the bank capture the 1.5k and reflect into CCRIS or will it state total outstanding 1.5k in ccris?

Should I clear the 1.5k so when end month bank report to ccris will show 0.00 outstanding? or no need?

I planning to get a house loan soon. So want the very best to ensure the ccris is good even all the credit cards and car loan i paid on time with '0 every month.

HI Guy/ Gals,

I need some to help understanding those items shown in CCRIS under the title APPLICATION FOR CREDIT. Early this year I bought a new car and apply loan to 2 banks, Maybank and PBB. Both the car loan applications are approved and i choose PBB. Recently I check my CCRIS and noticed that the MAYBANK application is still appears under "APPROVED BY FI".

I wish to ask how long does this record under MAYBANK will be removed? Reason that I'm going to apply for a housing loan and worry that it might affect my housing loan application.

Thanks in advance.

All applications in the previous 12 months for the borrower under:
• his own name;
• a joint name with another person;
• a name of a sole proprietorship; or
• a partnership or a professional body.

Shows the amount of applications and their statuses - whether approved, rejected or deleted.

URL: https://www.imoney.my/articles/how-to-read-your-ccris-report

How long are the records kept?
CCRIS shows repayment records of the last 12 months only, after which the oldest data is expunged.

URL: https://loanstreet.com.my/learning-centre/e...ing-about-ccris