ya....simply put

ccris
- only for banks used.....others commercial company can not access.
-consist of 12 month repayment record....state 0, 1, 2 - 0 mean all payment promtly...1 mean late within 1 month, 2 mean over two month late...banks see your paymant pattern to determine you are a good paymaster or bad paymaster.

cctos - use by banks, and commercial company. They obtain from legal notices...or even some company who subscript into their services, and when they customer don't pay, they can list their name into it and create a case against the non-payment customer....

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Added on April 16, 2011, 2:09 pmNow they got a lot of people are outsource by banks to provide individual loan....and they may be able to help by teaching you some ways to go around the ccris and ctos (e.g. provide new job contract, new property you obtain, or even provide a guarantor etc)

However, best way are we need to keep our repayment below 1 in all ccris record. all banks like good payment customer....

This post has been edited by tonglim: Apr 16 2011, 02:09 PM