For CCRIS, you can go to BNM headoffice in Jalan Dato Onn and go to the building on your left as you enter. There they provide a pc which you just need to slot in mykad (same like generating epf statement). You can print the report FOC.

CTOS - you can go to their office in Jalan Yap Kwan Seng and pay for the report.

Again, there's no such thing as blacklist.
Blacklist comes from how a person or organisation evaluate your credit worthiness.

Again, besides CTOS; there's also BRIS and the government is coming up with e-court. So what makes CTOS so unique here to get the bad vibes?
Btw, for those that doesn't know; even if you "restructured" your loan, it would reflect in CCRIS also. When I meant "restructure" it's basically a R&R policy by most FIs and they are required to report that information to CCRIS.

Also, may I caution that most big companies do a CTOS check on their hiring prospect too. So not only FIs uses CCRIS. Like mentioned before, big companies when dealing with projects etc also engage CTOS database. Especially on bankruptcy status for all these examples I mentioned. If there's a hit on CTOS where it shows a bankruptcy preceding; they would further check with jabatan insolvensi. It's much cheaper this way then going direct to jabatan insolvensi paying the amount yet get a blank result.

So the so called "blacklist" myth here is how one evaluates one's record where they can get the information from.

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Added on May 3, 2010, 9:13 pm2 is still acceptable depending on the amount you owe the bank and also how frequent is the 2. Again it's all about total exposure and how the bank evaluates one's credit worthiness.
Also, it depends on where the 2 is. If it's in front i.e. recent months, then the banks are more likely to be more cautious.

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Added on May 3, 2010, 9:19 pmLet's not talk about "banks".
So if there's someone who comes to you and you found out that he recently owe someone and not paying for 2 months, would you lend him? If you yourself don't dare, how could you blame the bank?

Same example, if you found out that someone had a major case before i.e. being sued for whatever reason; be it bank suing for debts, company suing for contract violation, civil suits etc... wouldn't you be more cautious? If yes, then why are we blaming the banks to have the same mentality.

When I first started out working for FIs, you know what the 1st lesson I learned? It is basically - if this is your money, would you lend?! Simple yet a difficult decision no? So it depends on the bank's appetite on risk as there's always a concept of risk vs rewards.

Then again, you can't fault the bank for not being too closely knitted or having a one to one caring attitude towards the customers. Remember, we're talking about consumer business or basically mass market. They process thousands of applications per day. So a set of rules is set to vett through the applications. Unlike corporate loan which is more personal as it's mostly 1 to 1.

i'hv PersonalLoan(about 15k) which i didn't pay several years coz i'hv problem..now my acc has been suspend and debt collector advise to make full settlement then i commit to pay 1k per month starting last month..

what's my currently situation? has been BLACKLIST? got CTOS? for sure CCRIS is that 1 listed..how about CTOS? now i'm in progress to submit HOME LOAN. pls advise.

how about if i use 2 names (me n wife) to submit loan? is that same result? or bank will be consider my app?

my mom told me bank negara send me a letter last few months. not sure what is it stated though coz i am in Singapore. i did missed my CC payment almost every month coz the due date is on the 3rd, and i pay them around the 15-16 every month and i only settle minimum payment. lets say if i wanna apply for a personal loan now. u think what's the % that the loan will be approve?

How many times we can check in 1 year time?

want to try my best for it....

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Added on August 20, 2010, 10:59 pmprepare for the worst condition.. if all of them didnt bother to tell me bout the reason y my application been rejected.. what should i do?i saw advertisement tat willing to borrow money to those blacklisted...should i..??