ok guys... about 3-4 yrs ago i moved to sg and left my credit card in the hands of my love ones. Naturally they went on a shopping spree and somehow manage to max out all 3 of my credit cards. So when i return from Sg 2yrs later i tried to apply for a car loan and was rejected. After a little investigative work on my side i i foudn out that i have been black listed. I have since cleared all my credit card outstanding. Recently i applied for a housing loan but was reected. I check with Bank Negara and they have mention that my record have been cleared. So now i am really really buffled. How am i gonna ever get a loan now?

Well i just went to BNM and obtain my CCRIS report. It really efficient and fast.. I thought its gonna a pain in the ass but turn out to be quite a pleasant experience. The CCRIS report showed that i have no outstanding loan cept for my 2 housing loan and 1 credit card. It also showed my most recent loan application which was rejected. So i dont understand why my loan was rejected in the first place if my CCRIS record is clean.

i think certain banks are still using CTOS.. just came back from the bank and true enough they were referring to my CTOS record which was outdated. Anyway i have to resubmit my loan. Haiz