If you had provide the prove documents of settlement to CTOS, they will put a remark at SPECIAL REMARK : Settled on .....", if you had not provide the supporting docs to them, they will do NOTHING even you had settled with the bank.

Please take note that, after you provide the supporting documents to them, they will only put at remark column, they will NOT DELETE it, but under new CCRA 2010 which take effect this year, Credit report agencies like CTOS cannot reveal any records in their report if the default has been settled for > 24 months. Means that, they will only delete your record in the report after 24 months from the settlement date. you need to monitor your own on your report to ensure they had deleted after 24 months.

They had just deleted mine last month. Please keep all the supporting documents until all the records has been deleted.

Hope this help.

It is not about how many months it has been settled.
Once a legal case had been settled, consumer has the right to ask credit agencies (CTOS is credit agencies) to remove the record from their database. i.e. once you gave them the proof, they will update your record.

If mentioned earlier, every bank have their own assessment way, previous even my outstanding has been settle for more than 1.5 year, bank still reject my loan.
best is to clear the CTOS record which need 24 months after settlement, otherwise CTOS will not DELETE the record, the remark will still be there in the report.

Mine have 3 record, 2 just deleted has it already more than 24 months after settlement, still remaining one case with remark "Settled on Jan'13" I can only request them to delete that in Jan'15. After that my CTOS report will shown nothing after deleted all. Bank will not see anything at that time.

for yours, you may have to wait for 2 years then only CTOS will delete that.

CTOS normally won't automatically update/delete the records, not sure whether they had improve their service level now or not (I think they are not so efficient now).
Better monitor the report yourself (check once/twice a year) and provide the support to them to do the necessary update or DELETE the record. Don't worry, they will do so after verify the detail, this is my experience.

By the way, when I do self check in Aug'14 still free.

Other than CTOS, Another common credit reporting agency where local FI use is RAM Credit Information Sdn Bhd, Maybank use CTOS and RAM. Their function is the same by providing credit report to those FI and their are control by ministry of treasury under the CCRA 2010 act. You can register with RAM for free to have self check report.

Yes. Now we need to pay for the report even is online. Still FOC in Aug, started sept need to pay.

U need to monitor yourself and provide the relevant supporing docs to them to request to delete manually  . CTOS have million of records in their sysyem, they will not auto delete.