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

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watabakiu
post Feb 17 2017, 12:43 AM

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Would the trade referee listing has impact on the credit rating?

got one from celcom, due to outstanding amount.
watabakiu
post Feb 21 2017, 07:29 PM

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If the trade referee listing is removed, will it improve the credit score?
watabakiu
post Feb 23 2017, 09:23 AM

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QUOTE(watabakiu @ Feb 21 2017, 07:29 PM)
If the trade referee listing is removed, will it improve the credit score?
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QUOTE(Jasoncat @ Feb 21 2017, 08:27 PM)
No impact.
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Aiyayaya, really? so bersusah payah clear my P1 debt
watabakiu
post Feb 24 2017, 06:48 PM

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QUOTE(watabakiu @ Feb 23 2017, 09:23 AM)
Aiyayaya, really? so bersusah payah clear my P1 debt
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QUOTE(Jasoncat @ Feb 23 2017, 09:26 AM)
You meant P1 appears under the trade reference section?
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Ya lor, it appears. so hard to clear it, coz in principle i do not want to pay. returned the dongle, but P1 said i didn't and continue charging monthly fees..

but nak improve credit rating punya pasal, settled the outstanding. manatau no effect
watabakiu
post Feb 25 2017, 12:09 AM

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blardy! wasted effort betul, having to settle the outstanding P1 amount. oh well, at least i dun need to layan the calls from the debt collector agents P1 appoints
watabakiu
post Feb 26 2017, 07:34 AM

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QUOTE(watabakiu @ Feb 25 2017, 12:09 AM)
blardy! wasted effort betul, having to settle the outstanding P1 amount. oh well, at least i dun need to layan the calls from the debt collector agents P1 appoints
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QUOTE(Jasoncat @ Feb 25 2017, 09:04 AM)
Can't really say waste of effort. If the claimant issue letter of demand and escalate to become a court case and being captured in CTOS, then it will really have an impact.  Anyway, you have peace of mind now.
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Come to think of it, betul juga. now no more calls from the blardy agents, but also gone are the money to repay the outstanding bills, kekek
watabakiu
post Mar 5 2017, 09:22 PM

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So Webe mentioned that they have struck off their trade reference; is it immediate, and are there any actions required on my part?
watabakiu
post Aug 28 2017, 04:56 PM

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When is the CCRIS report updated? Is it fixed or depends on banks?
watabakiu
post Aug 29 2017, 05:02 PM

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QUOTE(lifebalance @ Aug 29 2017, 09:05 AM)
Updated every 10 to 15 of the month

15 is the last cut off time for the bank to submit the report to BNM
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Thanks!
watabakiu
post Aug 30 2017, 12:11 AM

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Should there be discrepancies, are there channels to address the matter?
watabakiu
post Dec 30 2017, 10:06 PM

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If I am finding errors in my CTOS records, how do I make a dispute?
watabakiu
post Jan 2 2018, 02:24 PM

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QUOTE(avrilmae @ Jan 1 2018, 12:19 PM)
Lodge a complaint to CTOS and ask them to update their records.
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OK done! Filled up the complaint form and sent the email to them, complete with supporting documents. Almost immediately I got a positive response from CTOS. The data is updated and they provided me with Basic CTOS report (free) for my perusal. Faith in Malaysian enterprises restored.
watabakiu
post Jan 2 2018, 02:25 PM

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For registered CTOS Users, when can we get the annual free credit report?
watabakiu
post Jan 3 2018, 06:12 PM

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QUOTE(LynnLiu @ Jan 2 2018, 07:37 PM)
Hi, is a financial institute can file a special attention to me without sending any notification to me? I have a hard time recently where I just noticed that Aeon credit card has file a special attention to me back in 2015. I didn't received any letter or email until I called them they told me I have owed them Rm 9++ finance charges? This affected my home loan application. The issue is i will not know if not because I need to apply home loan. In fact I have clear off that credit card and didn't use it for years, can't remember whether have terminated the card. My question is can they file a remarks without notifying me?
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They may have sent you the notifications, but you may not have received it. Which is why it is good to periodically check your credit score history to see where you stand, and to avoid being blindsided by these issues.
watabakiu
post Jan 3 2018, 08:09 PM

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QUOTE(avrilmae @ Jan 3 2018, 02:02 PM)
👍🏻
January and July, iinm.
The free report shows only basic credit info ie Banking Payment History (CCRIS + DCHEQs) and the CTOS score.
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it's already Jan, but no emails/info to inform that the free report is available? anyways, how diff it would be between basic and paid version?
watabakiu
post Feb 7 2018, 09:48 PM

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For credit card repayments, the CCRIS report would be based on the minimum payment paid or only for full settlement of outstanding balance?
watabakiu
post Apr 7 2018, 10:30 PM

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Will high CC limit be disadvantageous when it comes to CCRIS report?
watabakiu
post May 5 2018, 07:38 PM

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CTOS can get free reports twice a year, IIRC. but which months exactly?

I just checked mine, score is 614! but this record is at end of 2016, and new 'score' are not shown.
watabakiu
post May 5 2018, 07:54 PM

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QUOTE(David83 @ May 5 2018, 07:47 PM)
The free version for twice a year is a Basic Report.
You won't get your CTOS score with that Basic Report.

URL: https://ctosid.ctos.com.my/ctosid_new/Simpl...6472.1525520738
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No wonder! But so we are clear, when FI requests for records, CTOS would give out the comprehensive reports to the FI, yes?
watabakiu
post May 5 2018, 10:37 PM

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QUOTE(David83 @ May 5 2018, 08:01 PM)
FI can access CCRIS database without the need from CTOS.
CCRIS database is maintained by BNM and all FI needs to update the database in monthly basis.

CTOS can provide other info that is not available in CCRIS to FI if requested.
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Cool, glad to know. Thanks!
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