Guys just wanna check, for car payment
Let's say for the first 6months the payment is not nice as 1-2-2-2-3-2 den 0 for 3 months will the bank
Approve any other loans or credit card?
I heard basically will take a year to 18months for the record to be renew or hidden the past months?

I thought they change to every 10th of the month, no?

CCRIS only got 1..2..3.. got 5 ?? never heard of 5..

By they you mean BNM? Then no, its 15.
There is no such thing as max is 3. Please see CCRIS Explanatory Notes, item J clearly mentions that number of payment records which mean there's no max. You can check sample here.

Don't agree.  It will not stagnant at 3.

CCRIS doesn't only show up to 3.

Guys, is it possible to get loan after settle the Aeon Credit loan? Because i was apply for credit card but being rejected due to criss, due to my hired purchase repayment was bad, as shown at report it's was 1-2 but no 3.
No ctos available

I printed on December 14,but now my hired purchase payment had settle down, i think this 3 months report should be shown 0,no any delayed

If I going to make a loan from bank, but I got a credit card outstanding balances, let's say 3k. Can I still able to get the loan? Consider the loan is 240k

Car loan settled, no other loan. Bought some furniture 2months ago but got keep on repay the debt. If I want I can settle it one shot. Just want to know will I get my loan if I got this outstanding 3k.

No other commitment. Only phone bill and unifi. Lol. Salary would be around 3k

I was applying credit card with a bank, call it BS, a week later me and wife applied housing loan from few banks, pending the final offer / final loan package available to us.

My application for CREDIT CARD got rejected by BS, few days before I signed the Letter of Offer for mortgage.
So out of curiosity, I called up BS to check reason for rejection, the staff told me in CCRIS, I have very high housing loan commitment, after spoken to 3 different officers, finally I talked to processing department.

It come to my surprise that my name, in CCRIS, recorded 4 mortgage loan amount with 4 Banks, so they took all 4 outstanding loan amount as my housing loan commitment , and they decided that my DSR exceeded their DSR of 75%.

Funny but not funny as I wanted that credit card which has the benefit for INsurance premium

Hi to you again, thanks for your reply, after replying to my last post about mortgage. I finally got a good rate for our mortgage.

My problem with BS is they treat all 4 mortgage applications as one loan commitment and rejected my CC by stating I have exceed DSR of 75%.

130,000 peminjam ingkar PTPTN disenarai hitam Selasa ini

source: The Malaysian Insider

Perbadanan Tabung Pendidikan Tinggi Nasional (PTPTN) akan menyenaraikan lebih 130,000 peminjam yang gagal menjelaskan pinjaman ke dalam Sistem Maklumat Rujukan Kredit (CCRIS) mulai Selasa, lapor akhbar Berita Harian.

Akhbar itu mendakwa, nama semua peminjam berkenaan sudah dihantar ke Bank Negara sehingga 26 Mei lalu dan akan dimasukkan dalam CCRIS pada 16 Jun ini.

“Peminjam culas yang namanya disenaraikan dalam CCRIS akan menghadapi masalah untuk mendapatkan pinjaman daripada mana-mana institusi kewangan negara ini.

“Ini termasuk pinjaman sewa beli kenderaan, perumahan pembiayaan peribadi dan kad kredit,” lapor akhbar itu hari ini.
Pengerusi PTPTN Datuk Shamsul Anuar Nasarah pada Mac berkata jumlah kutipan bayaran balik agensi itu mencecah RM5 juta sehari.

Katanya, peningkatan itu hasil beberapa tindakan yang dilakukan PTPTN bagi memastikan peminjam tegar membuat bayaran balik.

"Kita sedang mengkaji untuk melakukan beberapa penambahbaikan terhadap pendekatan yang dilaksanakan kerana kutipan yang kita peroleh meningkat dengan begitu ketara sekali.

“Sebelum ini, jumlah kutipan ialah RM800,000 sehari dan selepas tindakan, terdapat lonjakan yang tinggi dalam jumlah kutipan sehingga mencecah RM5 juta sehari, iaitu peningkatan lebih RM4 juta," katanya seperti dilaporkan Bernama.

Selain menyenaraikan nama peminjam ingkar ke dalam CCRIS, PTPTN juga menyalurkan nama peminjam yang berkenaan kepada Jabatan Imigresen untuk dihalang ke luar negara.

In CCRIS website it says the latest information is updated every 15th, now changed to 11th?

Anyway, the loan agent said if I settle the outstanding for the first property, then should be no problem.

I got a question, if my fren and his wife own a house, but my fren declared bankrupt, will the house get lelong? I asked few ppl, but a lawyer said wont force sell because as long the wife is not bankrupt, the house are not subjected to sell. Anyone got proper info on this? I have received many different info on this.

if someone have issue with his/her car monthly payment & declared bankrupt by bank..is this affected his/her property?assuming his/her joint name with others on those property what will be happen to his/her partner?

i tot car loan n property different story...so whoever bankrupt ppl will get other ppl (joint) into problem also..

Thought bankruptcy is linked to JIM. CTOS is just a private company providing bankruptcy results from JIM.

Hey guys, quick question. How long it takes to reflect in my credit history once I signed up for a loan. For example, if let's say I signed last week and I'm applying for another loan again. Can the system check if I have taken the loan last week? Thanks!

For CTOS account user:

"Our payment gateway is under some technical maintenance from 07 September 2015 to 17 September 2015 . During this period of maintenance, no payment is required for the purchase of fresh CTOS self check report"

The above message show at CTOS Login website...

I just get free report....