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CCRIS, CTOS, Blacklisted by Bank, Whats The different.
happy4ever
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Jul 13 2008, 11:31 AM
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CTOS gets its info from public information, bulletins, newspapers. You'd see ads on people getting filed for bankruptcies etc. That will end up in CTOS.
Where were you when there was one big hoohaah about CTOS last year?
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happy4ever
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Jul 13 2008, 08:44 PM
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QUOTE(cute_boboi @ Jul 13 2008, 05:00 PM) Not only fraudsters, BNM also keep the blacklist of those who don't pay for any types of loans (personal, car, house, etc.), credit cards, guarantor, bankrupt, etc. Not only those who don't pay, but those who have A LOT of credit cards, and each one still has outstanding balances (meaning the owner doesn't like settling all their debts at once) These are bad credit ratings.
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