CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Mar 14 2024, 04:50 AM
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#1
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Newbie
37 posts Joined: Jan 2017  
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Sifus please help to advice. I have no lapse payments, all show 00000 in ccris, no blacklist from telco or anything what so ever, never delayed cc payment (always pay outstanding in full) but my ctos score is now 684. 1 maybank card limit 15k but I recently purchased something for 9k 0% interest for 12 months (I don't want to use cash because that can generate Daily Cash returns). Does this affect the score?
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Mar 14 2024, 09:02 PM
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#2
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Newbie
37 posts Joined: Jan 2017
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QUOTE(MUM @ Mar 14 2024, 05:24 AM) Googled and found this, ... ah okok that makes sense now. Thank you5 Factors That Can Impact Your Credit Score https://ctoscredit.com.my/personal/5-factor...t-credit-score/ https://www.comparehero.my/articles/how-cre...ct-credit-score  |
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Mar 19 2024, 09:56 AM
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#3
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Newbie
37 posts Joined: Jan 2017
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QUOTE(canjeth @ Mar 16 2024, 03:29 PM) "CTOS Data Systems Sdn Bhd (CTOS) does not have the power to formulate its own credit score, the High Court ruled recently" Yes but unfortunately there are still banks out there that uses their score "By formulating a credit score, CTOS has gone beyond its statutory functions" https://www.nst.com.my/news/crime-courts/20...te-rating-nsttv  Do you think CTOS will stop with credit rating though? BenChiew liked this post
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