that means not 100% can reschedule? i need at least two year to settle the loan.

i have some money in hand making some profit (8%pa) , the total amount not more than 20% of the loan amount. so i am not able to make settlement. wat should i do now? negotiation or wait until 2016 to make settlement?

what is charged-off by the way?

u can ask for rescheduling..and i suggest u do..

charged-off means your loan been settled internally by the bank..but u still need to pay if u still thinking on getting loan elsewhere

in my case,

i had been received summon from bank 2yrs ago, and received a new summon 3 months ago.
last few weeks i try to register ctos to check my record, i found tat my record was [CLEAN] in ctos.

then i try login to ctos today and found that there is somthing appear in section D, which is my recently summon (3 months ago summon) from bank which bank has told me just ignore the summon since had compromised wif bank.

SO, i was trapped by ctos.!!! i feel that if we trying to register ctos or checking ctos record, they will then purposely take more intention to trace our record.

haha, no choice! was TRAPPED!!!!

life is beautiful, eventhough now is tight in financial problem,but who noes?!! few yrs later i may be a millionaire!!! so, those who hav their bad record in watever ccris or ctos or wat wat wat...... dun be sad!!! life is in our hand, not others. 1 days, if u guy become rich man and hav lot cash in bank, bank wont care bout wat ur ccris or ctos record, they will treat u like super VIP oso.

Hey guys,

Noob question, is it a good idea to register with CTOS just to see your records? Will registering mean CTOS will go and dig up more dirt on you? Like the case above. Heheh, or am I just being paranoid?

Sifu here..need help.

I recently got my ccris record...I noticed that my commitment gor my housing loans does not tally with my offer letter. All of them are much higher. Any particular reasons?

Sifu here..need help.

I recently got my ccris record...I noticed that my commitment gor my housing loans does not tally with my offer letter. All of them are much higher. Any particular reasons?

would like to know, if i have rescheduling loan repayment, am i able to apply for
1) House loan ?
2) Credit card ?

as long, you pay min. amount stated in your cc statement will be fine. (no CCRIS indicate late payment)

but, if you skip payment or late payment. (CCRIS indicate these)

Sifu here..need help.

I recently got my ccris record...I noticed that my commitment gor my housing loans does not tally with my offer letter. All of them are much higher. Any particular reasons?

Hi, I got a question with regards to CCRIS and credit card payment.
My credit card statement date is every 15th.
I am thinking of settling 50% of the credit card every month.
I am prepared to pay interest but I am concerned about CCRIS.
Since I only pay 50%, will I get a CCRIS record?

Commitment as in the original loan amount or the outstanding amount?
There are 4 main things in your CCRIS record that the banks (when you need to apply for a loan) can see and they are:

1. your loan type (housing loan, hirepurchase, CC, etc)
2. Your original loan amount
3. Your outstanding balance
4. Your repayment records (12 months rolling)

If you only pay 50% (or are you referring to 5% instead?) of your credit card every month, then then your outstading balance of the cards will be updated to the CCRIS every month.

However, your repayment schedule will still look nice, as there will not be any late payment recorded as your are sill paying at least 5% every single month.

I meant 50%. Up till now I have been a 'good boy' and pay in full every month. However, due to some new commitments, I think I may have to be a little 'bad boy' and pay slightly less.

Glad to know that I won't get a '1' record on CCRIS.

Hi all

I need help, before this i have record cris, last month I already do full statlement all my personal loan and cc. Now I only have house loan n car loan, but last week I try do refinance my house and the bank said I still have cris.

If i do clear my loan i need cooling period before i do refinance my house?

To all sifu. I need some advice here. I did some minor refinancing with one bank. So now they are gonna settle off my hire purchase (ambank) and personal loan (HSBC). They will direct bank-in to ambank and HSBC loan acc number, and these banks will take it as an advance payment right?
So my next step is go the branch. Ask them to settle off both and ask for a release letter is it? And bring that release letter to BNM so that my Ccris report will be cleared ke or how? Sorry kinda new. Pls guide humble me