in my case,

i had been received summon from bank 2yrs ago, and received a new summon 3 months ago.
last few weeks i try to register ctos to check my record, i found tat my record was [CLEAN] in ctos.

then i try login to ctos today and found that there is somthing appear in section D, which is my recently summon (3 months ago summon) from bank which bank has told me just ignore the summon since had compromised wif bank.

SO, i was trapped by ctos.!!! i feel that if we trying to register ctos or checking ctos record, they will then purposely take more intention to trace our record.

haha, no choice! was TRAPPED!!!!

life is beautiful, eventhough now is tight in financial problem,but who noes?!! few yrs later i may be a millionaire!!! so, those who hav their bad record in watever ccris or ctos or wat wat wat...... dun be sad!!! life is in our hand, not others. 1 days, if u guy become rich man and hav lot cash in bank, bank wont care bout wat ur ccris or ctos record, they will treat u like super VIP oso.

Yes it is a good idea to register so you can get your username and passcode, that way you can check your CTOS periodically.

As a mortgage broker I will tell you  that the banks will check and report on your CTOS anyway, so you might as well keep yourself updated by registering your CTOS

Pending means the banks is still processing or the processing got halted pending for new documents.

Approved by FI means approved by financial institution la, means the loan has been approved, but not yet accepted.

Since the loan has not been accepted yet, it may be possible to apply for another loan and the bank you are applying from will not take the other "approved by FI" loan into calculation of your commitments when you apply for a new housing loan.

If you havent applied for any loan for the other house yet you can let me know and I will help