I have 2 credit cards which I've used for more than 1 year, but a loan officer called me saying that I have none, it doesn't show on CCRIS. So basically, I'm in the 'high' risk group although my bank statement and salary are in 5 figures with zero debt. I've never had any outstanding amount, and I've even charged the card to the max and pay it fully before the statement date.

This is a little strange. Why my credit cards are not in CCRIS? Because I pay on time?

Basically the bank is saying I should get myself in debt, only then they can lend me more money.

This post has been edited by Underhill: Apr 9 2011, 12:31 AM

I've a puzzling question on CTOS score. My CCRIS is very clean, with all 0s. No outstanding, no legal cases, no nothing, but why my credit score is very low? 570/850 or grade "E". Credit card used is just 8% out of the total limit in which i cleared monthly in full. Car loan is just 1/10th of my salary.

Strange.

Yep, you're right. RAMCI gives me a perfect 10/10 scores, while CTOS is the opposite. Strange.