yup...agree...my xperience...i'm a director of one company thats about to be shut down...a few years ago came out small article in newspaper that said inland revenue will check on the company and if there're any due to IRB, then IRB will chase the company for payment before the company shut down....and mind yer all...the article didnt stated if my company really owes IRB (infact i checked with IRB, NOTHING due)...IRB was just making general statement only in the article.....buttttttt......this stupid bloody ctos took the statement by IRB in the article and linked it & noted it in their record which link to my name as director....when i called ctos is really the company owes IRB? has IRB charged anything? ctos said they dont know...and if I want the record to be rectified, ctos said i need to get clearence letter from IRB.....what the f##king hell i said....you all put something into your record which is really not very clear (and accurate)....and then you expect me to go all the way to IRB to clear my name (for which my name is actually have no prob wit IRB)...do you know thatsnot quite easy to deal with IRB to get that clearance letter....

so until now my record with ctos still like that....i hope in future some reasonable officer or minister will really look into this ctos thing and bang them really f##king good...

my vote : just leave all this credit history things to BNM....ctos juz can go to hell...