Why a lot still misunderstood CCRIS. Pls visit the links in the first page  under my post to understand better.

CCRIS record will be there be it missed payments or not. Anyone whom has a credit facility with the banks will have their records updated to CCRIS which includes credit line, outstanding balance and repayment history as well as related tagging eg. AKPK, legal actions, reschedule, restructure etc...