Well, its a double edge sword... like you say, its a record sent to BNM on whats your credit rating like.. you can affectively change that rating by doing the opposite.. example:- if you manage to get a creditcard... try make your spending via it and pay full every month..
you can never remove you name (untill you die) but you can change your credit rating by doing so.
goodluck

This post has been edited by Sham903n: Nov 30 2008, 10:01 PM