hi guys i am new here

I got 1 question
I owed hongleong bank cc 2008.
and now i had make the full settlement in 6/9/2010
after i check with the ccris manager of hongleong bank
they say my data already sent to bnm
and will fully clear in nex week 23spet
isit real and so easy??
or the manger bluff me cz some say need wait for 1 years

if my ccriss clear isit i can apply any loan from banks?