I just visited CTOS office and register myself for online self check. It took about 15 minutes to complete, not many people there.. right now it is free to register.

I got two records in CTOS, one for Credit Card (which is remarked as FULLY SETTLED), and another one is personal loan, which is not settled yet (but I am paying promptly every month).

I think Banks use another system, not just CTOS and CCRIS.., because last month when I apply for a loan it was rejected, and the bank officer told me I have unpaid study loan.

The problem is this study loan is not in CTOS or CCRIS, so they must be using some other system as well to complement these two! Anybody got a clue?

Moral of the story, don't try to run away from your responsibilities, it will come back to bite you in the ass!!

This post has been edited by forextor: Apr 16 2012, 11:30 AM