if my name appear in CTOS, what's that mean?
end of life?

i was rejected when apply for rhb credit card, then i go to ctos for checking, ctos show that i do not have any case.

then i go to check ccris, ccris only show one item in special attention account. that is a loan i get in a scheme for graduate from government thru agrobank. i think i supposed to start paying in 2010, but then i move house and did not receive any letter.

now wat should i do? go to the bank to “serah diri” and start paying monthly? or settle it when i have the money? i think the interest rate tat time should be 2.75%.

Sifu here..need help.

I recently got my ccris record...I noticed that my commitment gor my housing loans does not tally with my offer letter. All of them are much higher. Any particular reasons?

Is CTOS records used by the financial institutions
in their consideration to give loans?

Correct me if I am wrong, but ain't CCRIS what they are looking at?
To check for good/bad paymaster.

And to check whether the person taking the loan have the means to pay,
the FI will be looking at the payslip, right?

So is CTOS even needed?

And AFAIK, CTOS record is kept by a private company, an institution that is not regulated by BNM, and are not required by law to keep their records updated. Whereas CCRIS is overseen by BNM.

Care to elaborate ?

can someone who is declared bankcrupt withdraw their money from EPF when they reached the age to qualify for withdrawal?