0 = veli good
3 = bad
3 is 3mth default payment. correct?

0 is nice , 1 is not really nice , 2 is bad,not recommended  , 3 is dooms day / law will come find you

CTOS only keep report with Summon or legal action taken against you, if no legal action, no record in their report. This is GOOD.
For bad car instalment payment only capture in CCRIS, but since you had sold the car in Nov'14 and if the settlement to the bank had completed, Now Feb'15, your car loan record in CCRIS should be remove already unless you sold the car but loan not yet settle by buyer, check with your bank to confirm loan settlement and you can print your CCRIS report at BNM for your own checking and monitoring.

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

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

max is 3 if three month consistent didn't pay and following month also didn't pay will remain as 3

Quick question. I have a credit card with ambank that I want to cancel and pay the balance in full in the next week or so. Will the CCRIS record for the credit card be dropped off from my CCRIS record? Will there be any trace of the CC in my CCRIS if it is dropped off?

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

Think the bank isn't correct to do that as is not factual. Anyways is their loss. I'd applied a credit card also go or insurance premiums rebate and convenience but to my surprise, got rejected too. My ccris has no late repayments and CTOS is clean. Not willing to divulge the reason. BNM should make the banks give reason so that I can take the appropriate actions to clear our names rather than keep us in the dark.

HI All,

I need to ask some question on NPL (Non Performing Loan) status, i have a housing loan which have been a default of 2months since January 2015, however i have managed to clear to 1month default since july and planning to use my account 2 KWSP to pay up the outstanding + add some cash from my own salary to cover next month payment so that there's no oustanding on the account and should clear all by end of this month, my CCris Report should be showing 0.0.0 after this, how long does it take until i am cleared of the NPL status as i want to apply fro house refinancing.

Thanks

"The refresh on the CCRIS system is around 10 - 15th, 15th being the deadline and earliest is 10th." this is misleading.  I believe that to be a mortgage consultant it is important to get this basic info right.

I'm a gomen servant...If my CCRIS PTPTN says 23,can my personal loan be approved??I want to settle my PTPTN balance and other loan with a personal loan from Bank Rakyat so I can consolidate in just 1 loan..As gomen staff,Bank usually deduct direct from salary..Will CCRIS hinder my application?

i just use my KWSP to settle the up to date outstanding.. i have not restructure..so my past CCRIS record when i check..i haven paid for quite a while so the records was not good.

which i think quite puzzled when Maybank can approve my car loan..been tryin to get a CC ever since but failed.

Sorry, but what's CRA?

Malaysians will soon be able to do credit check online via CCRIS

“We are working on it and hope to start as early as next year,” she added.

Read more at https://www.thestar.com.my/business/busines...WsDIisCPxMMe.99