Make a police report that I lost ic to protect myself?

Hi. May I ask here regarding ccris report. How long the credit application report will be kept in ccris report?

This is because I applied for credit card in July last year and when I inquired the bank, I was informed that my application was rejected in the same month and I asked the bank to update the credit bureaus. In December, I found out that the application is still listed in my ccris as pending. I emailed the bank to update the ccris which the bank informed that they will take action.

Now, it is already March, the application is still listed as pending in my ccris report. I want to make big purchase in May, hence I want to apply a new credit card and I afraid that it might affect the application if the application I made in July last year is still in my ccris report as pending. I thought that the credit application will disappear from my ccris after 6 months, but no? How long it will be there?

what do you mean by 'they will wait a period of time to see any other failure to the score card'?

I check my ccriss online every month to see if the application is still there. I thought after 6 month, it will be gone. This is not normal right? Then I have no other choice but to CC my email to BNM so that action will be taken.

what do you mean by 'they will wait a period of time to see any other failure to the score card'?

I check my ccriss online every month to see if the application is still there. I thought after 6 month, it will be gone. This is not normal right? Then I have no other choice but to CC my email to BNM so that action will be taken.

if one is under AKPK, can he apply for car loan?

I have a question:
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My concern is about the debt / utilisation ratio as charge card does not carry a credit limit per say, would it impact in any bad way? I wonder what figure appears on the CCRIS report as the credit limit for the charge card?

Please help to enlighten me. Thanks.

Guys and girls, i dunno where to seek solution for my cases below, so i ask here:

This afternoon i went to a Seri pajam office to check either i'm still able to borrow a new loan for a new house, so the person in charge send my details to LOANPLUS for loan check..
Operator from LOANPLUS called me, told me that i got car loan etc...that all correct.. but the operator also told me that i got apply a personal loan on last year December with amount rm18K ... i never apply any personal loan for my whole life...
So, where and how do i check which bank someone that used my details for borrow personal loan on December 2019 ?

Can anyone guide me here? I've been bankrupt for more than 10 years.

I would like to clear it. What are the procedures?

Many thanks

Bounce cheque record will be keep forever by bank?

If credit card application rejected will it show in ccris amd affect credit score?

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    -  his loan was rejected , we ran a CTOS report and found out he has one Credit Card which was in Status Written Off under special attention in year 2015 while he was still employed .
The question is now how do we clear the written off credit card ?

      - Can he just walk in to the bank and pay off the written off balance and improve his CCRIS scoring from Red to Green ?
      - is there any risk in doing so , being risked by legal or bankrupcy or further fine by the banks ?
Any comments and ideas will be great

Thanks! Hmm I wonder if the bank will persist with collection after 6 years? Or it will be moved to bad debt non recovery...

Hi.

I had taken RM10K loan from a loan shark through my brother few years back. When i wanted settle i give the money to my brother as he told me he will settle with them with discounted amount. I believed him never even ask for the receipt. And i didnt receive any calls from the loan shark either.

Now my name is under ctos. I confront my brother now he admit that he have used the money. My house refinance loan is under process. I need to settle those 10k to clear the ctos. But the loan shark registered only m500 in ctos not 10k.

Can i seek ctos's help to settle this? Is there any mediator in ctos tht will help talk to the loan shrk people to reduce the amount? Please help me guys. Any way to come oit of this situation?

Hi i have trade reference on CTOS but already made payment to it. but the company refuse to delete. what can i do?

it makes me hard getting loan/cc

Hi MUM,

If i have my bank slip (with that shop name) and shop Ofiicial Receipt is it enough to forward it to CTOS because i asked the shop for release letter they said no such thing.

Oh, thank you. I called to them, all of the centers are not open, seem like cannot do eccris registration in this period.

If someone has bad debt with the bank and the bank already wrote off that amount and sold that debt to third party how do we know which third party the debt was sold to? Or can he still contact the bank to settle the bad debt?

Hi Guys,

I would like to know if I have sole proprietary business or partnership business interests , will this be shown in CTOS report. So far, all the samples I have gone through it only shows the SDN BHD business. Thank you.

Hi MUM,

  No credit facilities. Just enterprise/proprietary and partnership business registration with no business activities so far. Will these kind of business be shown in the CTOS report. I am sure the SDN BHD will be shown. Thank you.

CTOS will keep record of cancelled credit card for how long?