The CTOS Self-Check Report is out!

This is basic report.
Of course it's free.

Thanks! Just checked it. How is this different than the paid version?

The paid will provide you a scoring and CCRIS table.

Are you sure there's scoring in the basic report?

Here's the difference by CTOS:

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The CCRIS table that I was referring to the BNM table.

Yes, it seems. The free report does show the speedometer type, in which it shows the rating, a score and what the score means.Yellow is weak, green is good, red is poor.

Anyway, anyone knows what this means?
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Trade reference allows the referee to give comments about the subject upon being enquired by the user of the report.  It can be used as an alternative source of reference for background check.

How often does CTOS updates information about individuals?

Think they'll try on monthly basis as required under CRA for non CCRIS information.

BNM is the provider of the CCRIS information.

Hi, would like to check on the CCRIS record on the credit card late payment...

I am holding a MBB2Card... I forgot to pay the amex balance and only realize it 5 days (11 Aug) after the due date (7 Aug)... However, the cashback from the credit card was credited to my credit card (1 Aug) before the due date and the cashback amount is higher than the minimum amount... will this consider that I have pay the minimum amount and not affecting my CCRIS record?  or i will have a late payment record in CCRIS?
     

In CCRIS, there's a column for "Total Outstanding Balance (RM)" and "Limit (RM)".

Total Outstanding should be billed outstanding.

They will only pull your CCRIS record. Score is done by CTOS internally by CTOS using their own criteria.
Financial institution has its own credit health/rating evaluation themselves. They don't really rely on external score like CTOS Score.

Wanna ask, how long would CtOS record stays?

Past 12 months.
Records will keep the most recent 12 months.
Updated in monthly basis.