Jun 27 2011, 06:13 PM
QUOTE(LittleBro @ Jul 13 2008, 04:07 AM)
Credit rating agencies to help bank to evaluate their client.
CCRIS (Central Credit Reference Information System) - defaulted payment for a few months(lawyer letters or some kind of red letters), that includes telephone bill. You can get loan from some bank. Major banks will ask you to settle the outstanding amount before approving your application.
CTOS (Credit Tip Off Service Sdn. Bhd) - You are totally blacklisted, presumably you are near bankrupt. Unlikely bank will approve your loan application but it is still possible.
You can get CCRIS and CTOS by just becoming guarantor for someone else. Nothing to worry about since it is just an evaluation of your credit health.
How many months consider to CCRIS?CCRIS (Central Credit Reference Information System) - defaulted payment for a few months(lawyer letters or some kind of red letters), that includes telephone bill. You can get loan from some bank. Major banks will ask you to settle the outstanding amount before approving your application.
CTOS (Credit Tip Off Service Sdn. Bhd) - You are totally blacklisted, presumably you are near bankrupt. Unlikely bank will approve your loan application but it is still possible.
You can get CCRIS and CTOS by just becoming guarantor for someone else. Nothing to worry about since it is just an evaluation of your credit health.
If I have credit card amount 5K, after i use may be over limit 5.2K, may be that month payment need pay 350 but i just pay 250, in this case consider CCRIS?
If I every month also like that, how is it going on?
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