Hi sifus, would like to inquire. i am preparing to apply house loan
but when i check my CCRIS i got one '1' on 2 of my cards.

Question 1 - if i cancel 1 card by paying full, will the record be deleted frm CCRIS?

Question 2 - if i only have one '1'in my CCRIS, what are the chance of Bank approving my house loan

hi sifu, before this i am ridden by debts so i cleared most of it this year. before this my score was 630, so i bought a CTOS report to see if my rating went up after clearing all but 2 acc left (1 cc and 1 personal loan)

i am shocked to see not only my score didnt went up, but it actually dip to 620

1- i cleared all debts with late payment ( a total of 5 debt accounts)
2- my report reflects the debt i cleared, all the debt i cleared no longer appear in record
3- no late payment, my record is clean with no legal issue bla bla, the works

any idea what cause this?

This post has been edited by blood angel: Sep 22 2020, 06:20 PM

i saw, but the comments refers to the debts and accounts which i have already cleared, for example late payment

my existing acc have zero late payment