Cara/Procudure Membersihkan CCRIS

[Sony_Boy]

aku hutang court mammoth x byr byk bulan pun dh kena blacklist...addoiiii

ni CTOS ler nih.. diorang jer buat keja2 camni..

 

[KrisSMerah]

kesimpulannya ctos ni walaupun x diiktiraf, kuasa yg dia ada tetap power mengalahkan ccris. betul?

__________________

 

[cput]

Verifying Information in Your Credit Report


If you have a reason to believe that a copy of the credit report from Bank Negara Malaysia is inaccurate, you should request for a data review.

How to Request for Data Review

Request for Data Review (RDR) form can be downloaded here [PDF, 23K]. Please identify disputed items in the credit report and explain why the information is disputed.

For personal collection, please complete and submit the RDR form at LINK;
If you are from outside of Klang Valley, you can submit the completed RDR form to the following:
BNMTELELINK
Jabatan Komunikasi Korporat
Bank Negara Malaysia
P.O Box 10922
50929 Kuala Lumpur
Fax No: 03-21741515

The Credit Bureau will investigate and notify the financial institution that had provided the disputed information together with all relevant data. The financial institution must immediately rectify any inaccurate or incomplete information by sending the amendment(s) to the Credit Bureau to reflect the latest credit position of the person. The investigation and remedial process will normally take about a month to be completed. You will be notified of the outcome of the investigation. In the event that the disputed information is confirmed accurate, you are advise to liaise directly with the respective financial institution.


tapi kena masuk web utk form tue. type jer CCRIS kat goggle ke ape ke then cari pasal creditbureau.bnm.gov . kalau type memag tak dapat masuk terus. dunno why, kena tanya org IT.

tapi 1 tahun sekali je bleh request. Bleh request untuk personal credit information. Elok gak simpan benda2 nie, if tak tally, buleh betlkan balik

 

[muorian]

camne/kat ne nak semak nama ada dlm CCRIS atau x?

 

[norizm72]

Dear Kekawan (macam P. Ramlee lak),

CCRIS nii sebonarnye a database detailing all the loan approve, reject as well as in progress of applying. it also includes kalu ader bank yg buat inquiry of your personal data. so kalu hang apply 10 card, your profile akan shows ader 10 kali org bank buat inquiry and state how many approve and reject.

in term of credit worthiness lak, kat database tuu ader history of your payment. kalu hang prompt ajer (dia kan shows '0'-seingat akulah), while kalu hang hang tak bayar 2 bulan dia akan show 2 bln kat repayment coloumn.

those information are displayed for the bank to consider on whether they want to give you the loan or not depending on their risk apetite.

btw..aku nii bukan org bank negara cuma nak explain base on my experience.


just a 2 cent knowledge

 

[Zul.H]

http://www.bnm.gov.my/index.php?ch=en_faqs&lang=bm#FAQ01

 

[bowthugz69]

Dear Kekawan (macam P. Ramlee lak),

CCRIS nii sebonarnye a database detailing all the loan approve, reject as well as in progress of applying. it also includes kalu ader bank yg buat inquiry of your personal data. so kalu hang apply 10 card, your profile akan shows ader 10 kali org bank buat inquiry and state how many approve and reject.

in term of credit worthiness lak, kat database tuu ader history of your payment. kalu hang prompt ajer (dia kan shows '0'-seingat akulah), while kalu hang hang tak bayar 2 bulan dia akan show 2 bln kat repayment coloumn.

those information are displayed for the bank to consider on whether they want to give you the loan or not depending on their risk apetite.

btw..aku nii bukan org bank negara cuma nak explain base on my experience.


just a 2 cent knowledge

Ha.. Yg ni btol..
Ayat pasarnye.. Stiap rekod pinjaman kite dgn bank, ada didalam ccris.. Rekod sahaja... Bank nk cek high cmmitment pun kat ctu jgk..

Ttpi, skiranya salah 1 pinjaman kite trtunggak 1 bulan.. Yg 0 tu akan brtukar jd 1.. May-1, jun-1, july-1 smpaila kite setel ttunggak tu.. Ogos jd 0 blik.. Cth jela..

Dan bile ada kes mahkamah ke bagai, mgkin akan diletak di colum bwh skali iaitu special attention.. Yg ni ccris letak jek bile dpt request n bukti dr pihak bank yg blacklistkn tu..

 

[tokayahmetal]

kalau kita ada rekod special attention ni.. contohnya personal loan...nak tak nak kena settlekan semua sekali loan tu baru boleh settle ke atau bila kita bayar tiap2 bulan balik mcm biasa rekod tu clear?

 

[akusS]

salam....
tumpang tanyer bg pihak abg ipar,
klu dah ada rekod dlm ccris ni, maknanya slepas stahun la bru nama kita dikira dh clear dalam rekod ccris tu kn? sbb penyata ccris yg dtunjukkan tu untuk rekod 12 bulan...
Pastu kalu dah clearkan semua bayaran hutang tertungggak sblm ni, dah sampai kene blacklist dah, kene tggu stahun ke baru leh applay loan baru?? sbb skg abg tu cube apply loan tp bank kata ada rekod CTOS plak...
den pon xbrapa paham...soriler....

 

[phantasy]

Kalau tak silap saya special attention account ini adalah account yg telah langsai dari tunggakan hutang tapi masih dalam pemerhatian bank negara sehingga tempoh-tempoh yg tertentu barulah dikeluarkan dari senarai CCRIS.