my brother just pay full settlement his credit card payment this january,how long his name will clear in ctos list? and after his name clear in ctos list,can he apply personal loan or bank still can see his record even after his name clear in ctos list? for now he said his name still in ctos list so can't apply any personal loan from any bank.

he must responsible for his act, we help him too much already.if not he never pay his debt to his own family.maybe he'll buy another new car and so on.. any of u know about this? i mean about ctos list. i dont want to get cheat by my own brother.