Just for everyone info i did some find out about CCRIS & CTOS.

CCRIS - You can retrieve from BNM and is a consolidate bank records from all the loan and credit given by all bank. They use this as a guide to give you credit facilities.

CTOS - is a private company that allow all sort of company to list you defaulter. If you dont pay P1 bill. P1 will submit your name to CTOS but not CCRIS.

End of the day bank give you credit facility anot is very subjective dont have a certain guideline. If you have good term with certain bank even CTOS they will approve your credit facilities.

As you know Malaysia boleh concept all thing can happen.

This post has been edited by phanisher14: Jul 17 2014, 10:48 PM