i have a situation, end of last year i had 3 months lapsed in my home and car loan, but by january this year i've settled everything and have been paying all the loans on time.
But last week tried to make a new home loan and the bank says can't proceed because of the 3 months lapsed in CCRIS in january. how long it'll usually take for CCRIS to clear my name so that i can reapply the loan? or does it even work like that? anybody can give some advice?

will the bank be considerate enough if after 4 months all my payments are on time? do you guys have any helpful tips to get the loan again?