Hello, yes once you have settled the account it is cleared from CCRIS and whatever record you see in your printed CCRIS is the one the banks will see (unless you have or had an account with the bank you will make an application to)

On that note, the banks actually see less information that you do because they get to ONLY see:

1) Your type of loan
2) Your outstanding
3) Your loan limit (original loan amount)
4) Your payment records.

They cant even see the account number!

Anyway, information accurate as per my experience. Tata!

As far as my banks are concerned, they would have no way of knowing you had those loans because they were already cleared.

Unless you had applied to a particular bank, and then they rejected because of your CCRIS record, and then you cleared the payment, and then you reapplied to the same bank, of course they know la hahahaha

Disclaimer: Information accurate as per my experience with a number of financial institutions only

I dont know where that bank is getting the info from. Did you apply to that bank previously? EasyRHB was it?

It's because when I apply mortgage for my clients, as long as the loans are fully settled, and the client checks with BNM for their CCRIS, the bank they applied the mortgages to wont see them either...

Is the loan you just settled from the same bank you are applying for the personal loan?

Im at a lost too at this point :|