go to bank negara. works like epf. insert your ic then print your report. if ic cannot be recognized or "rosak" go to their counter fill up a form n wait in queue. very fast. can also ask them to explain what is what in your report.

This post has been edited by speed7791: Aug 5 2010, 11:32 PM

did they specify why your application was rejected. u can actually ask them. your loan application could have been rejected due to your employment not confirmed or your name is in ctos bcos of maxis/ digi. unlikely to be in bnm ccris. it isn't unusual for banks to reject applications from those who r not confirmed in their employment. most important u have to ask them why - politely.

i suggest u go to ctos in megan avenue n ask them to check. quite fast n foc if i remember correctly. don't bother calling them to check your status. it has to be done in person.

http://www.ctos.com.my/CTOSHOME/home.htm
CTOS Sdn Bhd (209649-U) Unit A-8-4, 8th Floor, Megan Avenue 1, No 189, Jalan Tun Razak, 50400 Kuala Lumpur, Malaysia Tel: 603-2770 8833 Fax: 603-2770 8834 ...

otherwise the next time u submit your loan application send to 3 banks n c which one responds favourably. i know ppl in the car n property sales industry who does that. sometimes all banks respond positively n offer better loan margin than others. other times some will reject while the other may accept. different banks may have different risk appetite.

when u submit your loan application to 3 banks all of them will know that u have done so as your applications in different banks will be reflected in ccris. they may call u n ask..."did u also submit this loan application to this n that bank?" just tell them that you did to see which one meets your expectation. some banks may not ask cos they would understand y u did so. either way no big deal there.

all the best...

don't see anything wrong with that. go for it. hope u get your loan