To all Sifu, can ask why is my CTOS score so low with summary saying I have deliquency on my account ? My conduct (loan & credit card payment) is always on time with no late payment for the past 2 years at least

I would say no - screenshot below in case I am wrong.




Also, the account conduct table also say unsatisfactory, but I don't understand why it is unsatisfactory. It also say I have a default (refer to screenshot below) which I don't understand as well. I have not defaulted any payment for the last 2 years.



This post has been edited by chriskk: Nov 27 2020, 09:01 PM

I know it shows the default RM688.xx but I have no idea what default that is. As far as I know, i did not default anything. My outstanding credit summary also show I am paying everything on time. How do I check this default?

Ah, I just realize the report itself doesn't mention it, but the CTOS website does have the details on the defaulted item - seems like an error (or identity theft case) with an Indah Water account which I have no idea about. Will give a call to IWK next Monday to sort it out.

Next question - once I have solve this case with IWK, will my credit score improve immediately?

This post has been edited by chriskk: Nov 27 2020, 11:39 PM