according to this site....
looks like NONE as,.....

The credit report containing the individual’s credit information can be obtained by individuals through the following channels:
http://creditbureau.bnm.gov.my/reportobtain.html

(even the online channel is thru them....)

no need go branch at all,

they just email to me the release letter.

susah lar..... need take leave to get the report......

no need take leave one... i just email them then they will email me the CCRIS report and i call them to get password to unzip the file

This post has been edited by alexkwlee: Jun 24 2020, 12:40 PM


Attached File(s)
 CRRForm_22_Mar_2018_FINAL.pdf ( 324.26k ) Number of downloads: 38

bank will take how long to update ccris?

every statement month cycle

Don't know if AKPK will extend the Moratorium for another 3-6 months as suggested by our Finance Minister.

akpk will take how long to refund excess payment?

This post has been edited by monocat: Jul 2 2020, 10:07 AM

No, because its depend on the end bank finance

Ive been on AKPK since 2015 almost 5 years already, that time my salary was only 2K now I'm already a manager,

Im thinking about and have asked around whether can withdraw from the program and continue to pay directly to respective banks , but NOT amounting to full/partial settlement, I just want to get out of this program,

As Ive read on this guy's experience on this site https://adzril.com/pengalaman-aku-pergi-serah-diri-ke-akpk/ , he was able to seek loan again after a few month after he withdrew halfway with no settlement.

SO my question is, can I withdraw and pay directly as my commitment in 2015, and can take up loan again?anyone has other more recent experience?

u can withdraw from the program.
but my suggestion is better do not withdraw from the program and u can pay direct to the bank if you have extra cash on hand.

LOL 0% interest. bank can GG already

How much we have to pay for out own ccris report?

No need to pay can do it free online

Where to get it?

Here https://eccris.bnm.gov.my/eccris/pages/sec/login.xhtml

Hi, I would like to ask some opinion from those who has prior experience dealing with AKPK.

I am in travel industry and since MCO started, my income has been affected a lot. I am earning 60% less right now compared to pre-covid.

As of right now, I am able to survive due to moratorium. And in light of this moratorium ending soon, I can foresee that I wont be able to service my loan payment soon. Thus i am considering AKPK as last resort.

Currently still in the process of negotiating with all the banks but from what I see, they are quite reluctant to help as of now.

The question that is running in my mind:

1. Is AKPK able to help on HP loan? I dont mind letting go of my car but the loan is still high and exceed the car value. Is there such option that we can let go the car and pay the difference in installment to the bank?

Tried search around regarding car loan but not much were shared.

No payment has been missed so far and ccris all 0. Dont know whether it helps or not in negotiating with the banks

This post has been edited by Shah_15: Jul 14 2020, 03:09 AM

AKPK only offer one time lifeline membership.
So in future if you ever got into difficulties....AKPK will never able to extend their help anymore.

The aim of AKPK is to help to reduce monthly repayment and ensure unwarranted debt collector calling ..etc.

Now that you have become a manager with increased in pay....Why the need to terminate the program and getting loan again....seriously....crazy?

with the pay increase....you should be saving tremendous money and be debt free forever
Debit card will be your best choice.

Credit Card and Personal Loan is an evil temptation which get you in trouble in the 1st place or have you forgotten what happen in the 1st place when you under AKPK?

i know as a Manager...need image....Credit Card...Personal Loan...etc....
Is this what you aiming for?

Based on ur situation I doubt AK can helps as u not yet default

I see. So one can only apply for AKPK when he missed his monthly payment?

Btw, I tried to fill up the forms in AKPK website. But the webpage seems quite unstable. I cant edit the page where you enter your monthly expenses. Tried with google chrome, microsoft edge ended up the same. Is this normal where you cant edit your monthly expenses?