Again, there's no such thing as blacklist.
Blacklist comes from how a person or organisation evaluate your credit worthiness.

Again, besides CTOS; there's also BRIS and the government is coming up with e-court. So what makes CTOS so unique here to get the bad vibes?
Btw, for those that doesn't know; even if you "restructured" your loan, it would reflect in CCRIS also. When I meant "restructure" it's basically a R&R policy by most FIs and they are required to report that information to CCRIS.

Also, may I caution that most big companies do a CTOS check on their hiring prospect too. So not only FIs uses CCRIS. Like mentioned before, big companies when dealing with projects etc also engage CTOS database. Especially on bankruptcy status for all these examples I mentioned. If there's a hit on CTOS where it shows a bankruptcy preceding; they would further check with jabatan insolvensi. It's much cheaper this way then going direct to jabatan insolvensi paying the amount yet get a blank result.

So the so called "blacklist" myth here is how one evaluates one's record where they can get the information from.