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.

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???

with a bad payment record, slim chance of getting loan approved. IMO, your best bet now would be to apply from the bank that you've a loan with at the moment.

Anyone here can help or advise me? I have CCRIS which i late payment for my car loan and housing loan. Now i cant apply credit card.

Any advise to clear the CCRIS or Approve on credit card application.

Basiclly i wanted to apply loan for a car, but with this issue on Bank wan me to have a guarantor which i was hard to get.

Which party will be involved on Ccris and Ctos? 
Telco like maxis, celcom or digi include? 
If applying for credit card, what the bank most view on the ccris report?
Recently i was apply a motorcycle loan from Aeon credit around 17k but get reject due to blacklist ,and as i know i did pay every month on my car loan.but how come will get blacklist

Dear All
          CTOS now is under governing of Ministry Of Finance.  CTOS can't disclose your report unless you are agree to disclose.
Important Notice –
Additional Requirements for the Delivery of Malaysian Credit Reports

In view of the full enforcement of the Credit Reporting Agencies (CRA) Act on 15 October 2014, the CRA Act has set forth important obligations for all Credit Reporting Agencies relating to the provision of credit information of Malaysian companies and individuals.

Please note the additional requirements for the delivery of Malaysian Credit Reports from 15 October 2014 (date inclusive)s follows:

1. Subject Company has rights under the Act including disclosure of the Subscriber Identity for whom the report is prepared for.
2. Consent must be obtained from the Subject Company before generating the credit information

Kindly note that the aforementioned requirements only apply to Malaysian Business Information Report and Comprehensive Reports. The delivery process for overseas reports shall remain unchanged.
===========================================================================

SUMMARY OF RIGHTS CREDIT REPORTING AGENCIES ACT 2010 [ACT 710]

The Credit Reporting Act 2010 promotes fairness, accuracy and privacy in the practice of credit reporting. Credit reporting agencies collect and disclose information about you, such as a failure to pay your bills or if you have been made bankrupt. The Act, gives you specific rights, most of which are summarized as below.

Warning: This is only a generalized summary. If there is a difference, conflict or contradiction between this summary and any provision of the Act, the provision of the Act shall prevail.

You must be informed by the credit reporting agency by way of a notice which States:
i. that credit information is being processed by or on behalf of the credit reporting agency together with its description;
ii. the purpose for which the information is being processed;
iii. the source of such information;
iv. of how you can contact the credit reporting agency in case you have any inquiries or
complaints;
v. you have the right to access to such information and also have the right to request the credit reporting agency to correct your credit information; and
vi. to whom the credit information will be disclosed.
Your credit information cannot be collected and used for any purpose other than what is provided under the Act.
This means that a credit reporting agency, may only collect and use your credit information to prepare a credit report to assess your credit worthiness, which includes but not limited, to any history of failure or diligence regarding payment of your bills (reputational collateral). Your credit information cannot be used or disclosed by any credit reporting agency for purposes other then what is permitted under the Act. An example of such activity includes but not limited to, is disclosing your credit information for direct marketing purposes. In the event that you have information regarding the occurrence of such practice then a complaint may be forwarded to the Registrar.

Your consent must be obtained before a credit reporting agency can disclose/reveal your credit information.
This means that a credit reporting agency must get your consent before they can submit your credit report to their subscribers.
Your credit report can only contain information according to the Act.
This means that a credit reporting agency cannot include such credit information in their report regardless whether you have given consent or not;

i. if the source of such credit information is not included in the report;
ii.if such credit information is regarding any pending proceedings in court more than two years after the proceedings began that has yet to be settled;
iii. if such credit information is regarding any default in repayment of credit two years after the date of final settlement of the amount in default.

Your right to request from a credit provider information regarding reasons of unfavorable credit action
This means that if a credit provider has taken an unfavorable credit action against you for example; rejects your application for a loan, and that rejection was based on a credit report provided by a credit reporting agency, then you have the right to be informed of the identity of the credit reporting agency. You have the right to access the said credit report.
Your right to access credit information or credit report
This means that you have the right to have access to your credit information or credit report from a credit reporting agency which holds or have processed your credit report.
However the credit reporting agency must verify your identity and confirm that such information is indeed in their database before complying. Upon your request and upon payment of any fee which may be prescribed by the agency in custody of your credit information.
Your right to dispute incorrect credit information
This means that if your credit report which was disclosed to the credit provider in response to the application for credit made by you, and such credit report contain incorrect information, you then have the right to challenge such credit report according to the procedures provided under the Act.
Contact information:


Office of the Registrar for Credit Reporting Agency:
Enquiries Line:
603 8890 6560/6561
Fax:
603 8890 6423
Email Address:
warga_ppapk@treasury.gov.my
Web Address:
www.treasury.gov.my
Business Address:

Level 1. Treasury 2, Ministry of Finance Complex No.7, Persiaran Perdana, Precinct 2, 62590, Putrajaya

Hello, thanks for the summon. Can't keep up with the postings and replies in this forum. Very exciting!!

Well yes, and no. For credit cards, all you need to do is to start paying the minimum 5% each month, that way the bank will not MARK your CCRIS. So your outstanding can even be RM100k, but as long as you pay RM5k a month (and subsequently lower as your outstanding reduces as you pay them), the bank would consider that a payment for that month has been done.

For housing loans, car loans, and personal loan, or any other TERM LOANs, you are expected to pay the installment in full every month, otherwise they would mark you as having a late payment in one of those months.

Now going back to your question, let's say you start being a good paymaster starting this month (December 2014)... your late payment records in January 2014 till this month would stay with you for a year on a rolling basis. Next month (January 2015), the January 2014 record would be erased... The month after that (February 2015), the record for February 2014 would be erased. And so on. So if you are a bad pay master till November 2014, that record will stay with you until Novermber 2015

To erase this, you need to make a full settlement AND cancel the account, wait a while for the bank to update that info in CCRIS. Once the record of THAT PARTICULAR LOAN ACCOUNT is gone from  the CCRIS, no banks would know how lame you were as  a paymaster      until you start acting up again  haha

pay your dues people.