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 CCRIS, CTOS, Blacklisted by Bank, Whats The different.

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teoanne
post Jun 23 2010, 08:18 PM

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you can check your CCRIS at Bank Negara. Proceed to the main building, go to the self service computers there marked CCRIS, slot in your IC and voila, u can print your CCRIS statement out. Cannot print more than once though. And once every 3 months only.
teoanne
post Oct 12 2011, 11:08 PM

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based on what you are earning, you can pay off the credit card debt in no time. that should be your first priority

QUOTE(jeebjeeb @ Oct 12 2011, 10:59 PM)
people i need some serious advice...similar to many stories/examples, i have outstanding CC debt with 3 banks..total abt 18k.....didnt realise it until recently when i return to msia....called up banks to check and was told no payment in the past 2 years...not even min payment....now i need to get a housing loan. My questions:
1) Im pretty sure my record will be charcoal black in citris....what abt ctos?

2) Did some research, was told i 'might' be able to get a loan frm mbsb. I'll be going to retrieve my cicris n ctos record.....my concern is....will 18k go into ctos? cos i was told mbsb will check ctos....but will they check cicris?

3) In the application form there's a column to declare outstanding debt with other banks.....should i declare or not? Since if they dont check cicris and if...IF im clean in ctos

4) Any other co-op/financial institution will approve my loan? Heard that bank islam is not so strict?

Im currently earning fix salary of 10k a mth with no other loan/financial committment other than the 18k outstanding.

Appreciate any advice. Thanks.
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