it will onli show 1 if you default payment for the whole month after due date.

anyway, i think for any applications for banks, as long as you dint have any bad ccris records during the pass 12months, the approval shudnt be affected by ccris.

bad record in ccris = late payments towards any financial institute. the satisfactory level is late payment no more than 2months for consecutive months.
means, if ther's 1 or 2 (non consecutive) in your ccris traffic is still consider green. if ther's 3 in your record. then bye bye bye lo

This post has been edited by ahnien: Oct 31 2009, 05:05 PM

the banks onli check & retrieve ccris & ctos records when ther's a ccris/ctos application (credit card, hp, housing loan etc)

i know no banks that simply retrieve the reports.
u think they so free meh?? haha...

summore, onli processing department have access. other staff or sales staffs doest.