CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Apr 7 2019, 04:54 PM
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#1
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Probation
24 posts Joined: Apr 2019 
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Hi.. wanna ask. I had made full settlement of akpk on march 14. Will the ccris report clear the akpk record on 16 april ?
Also i m planning for housing loan and they request for previous few month bank statement. The statement i hav is use for my salary n akpk payment .Will the bank reject me if they saw my akpk history in the bank statement even my akpk cleared from ccris ? Thanks!! |
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Apr 11 2019, 10:57 AM
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#2
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Probation
24 posts Joined: Apr 2019
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QUOTE(carjack18 @ Apr 10 2019, 10:46 AM) Basically it depends on the bank itself. Secondly are you applying from the same bank that you owed in AKPK previously? No , I am planning to apply from other bank not no related to my AKPK. It just they require my 6-month saving account activity bank statement(Maybank), previously i was using Maybank to transfer AKPK payment, so the activity will show there. My Maybank also use for my salary payment. I didnt owe anything to Maybank and it's not under my AKPK programe.If yes, there is a high chance , it won't get approved. It is best that you check the CCRIS record yourself by going to BNM or signup for CCRIS.  eCCris I have and my AKPK records has been wiped off in this morning. My ccris record now totally clean like a new born baby. |
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Apr 11 2019, 03:29 PM
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#3
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Probation
24 posts Joined: Apr 2019
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QUOTE(se800i @ Apr 11 2019, 12:11 PM) Hi, you apply AKPK before? to convert your CC outstanding into akpk? How much interests they charged to u? Was with AKPK for 7 years and I just released from them on last month. Interest is about 8% if no mistaken. after finish paying to akpk then your record in ccris is like blank A4 paper? I checked my ccris record this morning , yeah ~ its totally blank with no more AKPK wording appear there.  |
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Apr 11 2019, 04:50 PM
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#4
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Probation
24 posts Joined: Apr 2019
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QUOTE(se800i @ Apr 11 2019, 03:31 PM) during your tenure with AKPK.... you manage to apply other loan or CC? it's totally freeze during AKPK time. Not allow for any loan/CC. |
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Apr 11 2019, 11:02 PM
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#5
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Probation
24 posts Joined: Apr 2019
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QUOTE(carjack18 @ Apr 11 2019, 09:36 PM) FYI, even if you completed your AKPK, you still unable to get CC from those bank you owed before. There are some suggestion to apply after 1 year coming out of AKPK Ok. Bro. Thanks for your info... 😃 |
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