I also asked the same to CTOS. This is their reply.

For your information, CTOS Score is calculated base on your credit information from both CCRIS and CTOS's database in the last 24 months until the date that you purchase the CTOS Score Report.

Kindly recheck back from your latest CTOS Score Report within a 24-month record of your previous CTOS Score Report. There are 5 factors that make up the CTOS Score which are:-
1. Payment History (45%) - Whether you pay your loans on time or have missed payments in the past.
2. Amounts Owed (20%) - The number of credit facilities and the amount owed to the banks.
3. Credit History Length (7%) - How long have you held a credit facility (credit card, or a loan).
4. Credit Mix (14%) - Types of loan and credit cards you hold – secured (home, car loans) vs unsecured credit (credit cards, personal loans).
5. New Credit (14%) - Have you been approved for new credit facilities recently.

There’s no quick or instant method to fix a credit score. It takes some time for any new effort you’ve made to improve your score. The best advice for rebuilding credit health is to manage it responsibly over time and to be consistent. Here are some tips to help improve your CTOS Score:

1. Payment History
- Pay your bills on time
- If you have missed payments, get current and stay current
- Be aware that paying off a collection account won’t remove it from your credit report
- Contact creditors or legitimate counselors if you have trouble making ends meet

2. Amounts Owed
- Keep balances low
- Pay off debt
- Do not close unused credit cards as a short term strategy to raise your scores

3. Credit History Length
- Start building a credit track record early

4. Credit Mix
- Apply for and open new credit accounts only as needed
- Have credit cards, but manage them responsibly

5. New Credit
- Do your rate shopping for a given loan within a focused period of time
- Re-establish your credit history if you had problems.
- Do not open a number of new credit cards that you don’t need

wow..10yrs bro? how much your hutang when enroll?

more than 100k

how long can get car loan after clear AKPK ?

While waiting for responses,
Jfi, last month, a forumer just shared his experience.


Attached thumbnail(s)

4 month ?

yes yes.. 4 months..

i saw some ppl here 1 month can get car loan

👍That is good news.
Compared to 4 months, but my guess is maybe the different of loan amount, the types of bank or finance providers, the interest rate etc etc.
Anyway 4 months is his experience...
Hope you could update yours when you got yours approved👍👍

just want to confirm anyone can get between 1-2 month approved

previously a forummer posted

"I managed to get my car loan approved 1 month after I withdrawn. They also supplemented me with credit card as well."

AKPK, debt issue, anyone got a question to ask them?
https://forum.lowyat.net/topic/876712/+3140?hl=akpk
post 3145, page 158

anyway to check CCRIS others than go to BNM

Check Your Credit Report By Registering Online For eCCRIS
https://www.google.com/url?sa=t&source=web&...ohjn_3LFoqj2Ljq

https://www.google.com/url?sa=t&source=web&...63r3s5WMlleahx-

if no special account mean clear from akpk ? only show my housing loan

This post has been edited by samsungXP: Jun 28 2022, 08:49 PM

No idea,.. But what about in ctos?...
Have you checked with ctos too?
Anything there?

no also

If CCRIS cannot see, ctos also cannot see, Then there is no evidence of you had been in akpk dmp in those credit reports 👍👍

can i know after u clear AKPK..then u borrow loan from others bank that last time not under AKPK..the bank will know u in the program before ?

I think the post just above yours,... Looks very likely to be the answer

after clear AKPK 1 month later hire purchase loan approved