CCRIS, CTOS, Blacklisted by Bank, Whats The different.
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 Oct 4 2019, 10:54 AM
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#1
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Senior Member
1,298 posts Joined: May 2005 From: HamuHamu Chan DeKukuMalu 
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QUOTE(watabakiu @ Sep 25 2019, 10:09 AM) if one is under AKPK, can he apply for car loan? technically No - banks will always check CCRIS and it will show under AKPK ...  and if you are under AKPK, you aren't suppose to take another loan or CC - it defeats the purpose in the first place |
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Oct 4 2019, 10:55 AM
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#2
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Senior Member
1,298 posts Joined: May 2005 From: HamuHamu Chan DeKukuMalu
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QUOTE(watabakiu @ Sep 29 2019, 09:06 PM) how far out to apply for loans after cleared from AKPK? once cleared - you have to ensure all CCRIS are updated - after that should be good to go ... |
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Oct 4 2019, 05:30 PM
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#3
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Senior Member
1,298 posts Joined: May 2005 From: HamuHamu Chan DeKukuMalu
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QUOTE(watabakiu @ Oct 4 2019, 03:38 PM) But car loans are collateral loans ie less risk? yes you can say that ... but banks if they see CCRIS and you are under AKPK, they will avoid you like a leper ... perhaps some banks may allow .. usually banks are afraid of CTOS, CCRIS and Insolvency (Bankrupt) ... |
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Oct 20 2019, 04:23 PM
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#4
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Senior Member
1,298 posts Joined: May 2005 From: HamuHamu Chan DeKukuMalu
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QUOTE(maxizanc @ Oct 20 2019, 02:23 PM) Hey guys. I applued for a loan but i decided not to agree/sign. How long my record for new application will be there in ccriss/ctos you can decline them officially and they can remove asap.once removed - normally it is reflected within 24 hours. |
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