Hi,

I would just like to check. I defaulted on my credit card payment for HSBC as i was young and naive back then and took on too much over my head. I settled of my entire outstanding balance in one go over 2 yrs ago. Would this be captured in CTOS and CCRIS?

Also when i was attached to a certain telco company recently, my IC was misused and i found out that there have been several lines registered to unknown ppl with my IC details and i am being sent lawyer letters for this. Is this also captured in CCRIS and CTOS?

Can CCRIS be cleared out after a certain period of no loan / credit card etc?

I am rather worried and confused. I want to start on a clean slate as i have learnt my lesson but there is a nagging feeling in the back of my head that this will haunt my records forever.

The defaulted payment for telco is not my fault. My IC was misused and the lines never belonged to me. Up to date the telco has not cleared the case out which is frustrating esp when ur trying to avoid such issues to keep a clean slate. This happened about 3 yrs ago and still unsettled because i refuse to pay for something that is not mine.

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Added on November 22, 2011, 6:08 pmI actually dont want to apply for credit cards. I rather pay cash if i want to buy something. But my concern is if i need to get a housing loan or car loan..as of now i never bought a car or house due to this..worried that it will get rejected..

This post has been edited by curious_furious: Nov 22 2011, 06:08 PM

Then its rather unfair..because my IC was misused..any suggestion on how to clear it from CTOS? May i know how you know all this if you dont mind me asking?