I notice there is some experts in this forum about CTOS and CCRIS. I am wondering if anyone of you can give me advice? I've made many financial mistakes and is now paying for it. But, by paying so many banks every month, I am slowly and definitely drowning.

I'm hoping someone in here can advise me on several matters:

1. I know for sure my name is listed in CCRIS already (i have outstanding with EON Bank - now known as Hong Leong Bank). I want to settle it but I don't know how.

2. I am looking for the best solution to consolidate all my credit card debts into 1 account so I can concentrate paying 1 interest to 1 account instead of paying multiple interest (which is killing me) to multiple banks.

3. I've tried applying for personal loan but was rejected. I don't know what to do anymore.

I hope someone in here will be able to advice me or even help me to achieve my consolidation goal?

Thanks.

What I meant was a red flag. Its all credit card. Is there any solutions?