Your information is misleading.

CCRIS is a system created by BNM.
Every financial institution is required to submit their customer's credit conduct to this centralised system. Telco is excluded but they are plans to include all those government loans, korperasi, IPTA loans etc...but all these while just talks and rumours.
What is meant by credit conduct is mainly split into 3 major categories:
Applications:
- How many applications is being applied for the past 1 year.
- How much "line" is being applied.
Thus banks or underwriters would know how "desperate" this person is seeking for credit facilities. And out of these apps, how many is approved and rejected.

Outstanding Status
- It would show how many credit facilities one had i.e. housing loans, credit cards, OD, hire purchase etc...
- Each line would show each facilities with it's outstanding, limits and payment behavior, legal status if any.
- Under the payment behavior string, 1 would meant miss 1 payment, 2 would meant miss 2 payment.
- If it's a card with outstanding close to limit granted might not give a good impression.
- If it's like Hybz mentioned, he's always late by 2 days...the payment string might shows all 1. But since it's a consistent pattern, there's nothing to worry about. But word of advise, phone the bank up and change the billing cycle.
- Legal status would shows what legal action had been taken.
This portion is mainly for officers to judge how good is your repayment, how much "burden" once has, etc...the main evaluation criteria lies in reviewing this section.

Special Attention Status
- This would show mainly accounts that had been written off.
- Or under AKPK management.
Meaning to say if one appears under this section, sorry to say that it really leaves a bad impression.

So it's advisable to visit BNM twice or at least once a year to view your own CCRIS report.
This is to detect whether someone had misused your identity to fraud for apps also.
http://creditbureau.bnm.gov.my/index.php?ch=7&pg=10&ac=12



CTOS is an independent company which collects all legal notices published.
So happy4ever is right that they are collecting from newspaper.
Note the word "published". So they either took it from newspaper or notice board outside the court.
They never approach "first hand" to credit companies like you mentioned!
CTOS is different from CCRIS as it only reports what was published. Even inclusive of normal civil suits which doesn't really involve financial institution.
That is why CTOS is still widely used besides CCRIS as CCRIS like I mentioned above only store reports from "financial institution". Whereas if one company or one person decided to sue you for defamation, or other legal matters and are being brought up to court, it would be captured under CTOS after the legal preceding is done and legal notice is issued. CCRIS would never capture those instances.
There's another company out there quite similar to CTOS, which is known as BRIS. Just that it's more focused on corporate side.
http://www.ctos.com.my/CTOSHOME/home.htm
http://bris.com.my/html/about.html


BTW, there's no such thing as black list.
Banks or financial institution based on all the above reports to make their judgment.
One can be listed in CTOS but if it's not related or the severity is not major, there would still be no problem.
CCRIS, however everyone with credit facilities would be listed. As long as the payment behavior is consistently good than there's no problem!

Technically yes, it would show in CCRIS that you paid; i.e. reflected in the payment history string.
However a point to note; most banks also evaluate the balance of one's credit balance against the credit limit granted.
If it's highly geared i.e. with high balance almost to the max of the line given, there are possibility that banks might also reject one's application for credit.

It would show that you pay on time. Which in the payment history string it shows:
0 0 0 0 0 0 0 0 0

If the instances is like what ed0gawa specified than it would show:
1 1 1 1 1 1 1 1 1


Where "0" meant no lag in payment and 1 shows 1 payment late.

Actually what ed0gawa pointed out is quite true... the devastating payment history that would leave a bad impression is for eg:

4 3 2 1 0 0 0 0


Where "4" meant missed 4 payments and in this case is the latest month's reflection. Thus seeing this meant that this fellow had missing payments since 4 months ago and never repay.

This post has been edited by b00n: Jan 4 2009, 12:43 PM

Yes. Need to submit proofs though.

Not sure how CTOS would treat it. You can phone up CTOS and ask.
http://www.ctos.com.my/CTOSHOME/home.htm

Once you made full payment to your loan, your loan account would be "closed". Thus it wouldn't be reported into CCRIS.

So what did the personnel in CTOS advised you?

This post has been edited by b00n: Mar 13 2009, 02:29 PM

Yeah, as explained by Phoeni_142. However for CTOS; think you need to personally go down to their company or you can call them and fax over your "redemption/settlement letter". Good luck!

It could be because of CTOS.
You would need to bring the CCRIS report which you've obtained from BNM to CTOS and ask them to take off your record.

If CITI never issued a letter of demand towards him than it's not listed.
CTOS is just compiling all these legal notice published.

3 meant you missed 3 payments. It's quite easy to understand. Pay a visit to BNM one of these days to extract your CCRIS report and they would explain in detail to you.

If you missed a few days, also it would be shown as 1 i.e. missed one payment.

As far I can recall, no need or maybe a nominal fee of RM2.
Pls visit this website: http://creditbureau.bnm.gov.my/index.php?ch=5&pg=7&ac=10 for more country.

@Awakened_Angel,

Yes, CTOS and BRIS is opened to all who pays (as the information is already all public published items). But not CCRIS.

Yes, but it's a non-disclosure intact with the BAFIA act.

If you receive legal letter, most probably in CTOS.

Generally only finance companies reports to BNM CCRIS. But I think they have further plans to include utility bills and all, something like the credit bureau in the States.

You can complain to BNM. I'm guessing it's a card send to you or previously applied and you've requested to cancel but yet it's not done. So annual fees kicks in... blah blah blah that causes the "write off" aka special attention column.

No, as when bank evaluates your credit conduct; you would have failed.

Yours is known as a written off account. Anyway, the current situation is after you've fully settled the debt, most bank would drop your record after 6 months.

However on CTOS, you'll need to go to CTOS yourself to check and after you've fully settled; get the settlement letter to ask CTOS to update your record.

It is because of different underwriting criteria from bank to bank.
Also, there's a big difference between what is known as secured loan (properties, hire purchase) vs unsecured loan (personal loan, credit card).

Housing loan you are able to secured because they have the property in hand. Personal loan, considering your pass records, they might think twice. So it's different bank different underwriting policies.