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I want to check if I got blacklist with Bank Negara Malaysia (BNM)

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asked on Apr 4, 2010 at 19:51
by   akash
edited on Mar 28, 2016 at 16:49
 
I am Prakash Subramaniam and my IC number is XXXXXX-XX-5753. How do I check if I am being blacklisted by Bank Negara Malaysia (BNM). Thank you.
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answered on Dec 14, 2010 at 11:56
by   RiskTaker
edited Mar 28, 2016 at 16:51
 
Well bro pertaining to your question, base on my knowledge and understanding only local banks under Bank Negara will blacklist the individual & companies, and not the Bank Negara itself. Bank negara is a bodied who monitor the local bank closely on their activities or wrong doing by the banks under Bank Negara. However you can get the CCRIS report from Bank Negara to check your credit payment behaviour and type of loan granted to you including the bank name in the report.

For legal cases or summonses you also can check your credit status with this two Credit Reference Agency (CRA) such as RAM Credit Information Sdn Bhd and CTOS Sdn Bhd. Hopefully this information can give you a good direction.
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answered on Dec 14, 2010 at 11:59
by   RiskTaker
edited Mar 28, 2016 at 16:52
 
By the way bro, may I ask you something? Do you have any scholarship before? If you do, may I know how does the payment look like! Any laps or failed payment?
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answered on May 6, 2011 at 18:19
by   Jojo
edited Mar 28, 2016 at 16:53
 
If my friend already went to the Bank Negara Malaysia (BNM) and got the credit report, how do I know if the bank already sue him as a blacklisted? Thanks!
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answered on Aug 6, 2013 at 16:18
by   NotChuKang
How to verify whether I am blacklisted by bank or not before making any loan application?

Check with these companies:

RAM Credit Information Sdn Bhd
http://www.ramcreditinfo.com.my/

CTOS Self Check
http://www.ctos.com.my/self_check.html

Central Credit Reference Information System (CCRIS) - Bank Negara Credit Bureau
http://creditbureau.bnm.gov.my/
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answered on May 5, 2015 at 15:07
by   BankNegara
edited Mar 28, 2016 at 16:55
 
Tolong datang Bank Negara Malaysia (BNM) dan semak sendiri dengan MyKad.
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answered on May 3, 2016 at 13:28
by   Chandra
edited May 3, 2016 at 22:31
 
I am Chandra Segaran and my IC number is XXXXXX-XX-5094. How do I check if I am being blacklisted by Bank Negara Malaysia (BNM). Thank you.
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answered on May 3, 2016 at 16:02
by   jeff005
Tolong datang Bank Negara Malaysia (BNM) dan semak sendiri dengan MyKad
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answered on Aug 25, 2016 at 15:38
by   Zaif
edited Dec 19, 2016 at 03:48
 
I am a bit confused. I used to be blacklist but as of May 2016, I already cleared all my debt and CCRIS shows only 1 active mortgage loan from CCRIS which have 0 for the past 2 months. However, I applied credit card from few bank including AEON and all rejected also my personal loan also got rejected. CTOS did have my "Fully Settled" status since Sept 2014, only clear from CTOS on Sept 2016.

Does bank have any other systems beside CCRIS & CTOS that they look to check our financial history?
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answered on Dec 20, 2016 at 15:47
by   Mathi
edited Dec 22, 2016 at 22:59
 
I have already got my CCRIS report on my hand. I got pending housing loan for the past 3 years. How do I check whether I'm blacklist or not. Here in CCRIS report, there is no remark of such thing.
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answered on Dec 22, 2016 at 04:31
by   risky
@Zaif

You are applying for a loan too soon. Almost any bank will simply reject your loan application based on your past financial history - bad paymaster, even though you have fully settled your debt.

Other credit reporting agencies in Malaysia include:

1. Basis Corporation Sdn Bhd (BASIS)
http://basis.com.my/

2. Credit Bureau Malaysia Sdn Bhd (CBM)
https://www.creditbureau.com.my/

3. Dun & Bradstreet (D&B) Malaysia Sdn Bhd
http://www.dnb.com.my/

4. Financial Information Services Sdn Bhd (FIS)
http://www.fis.com.my/

5. RAM Credit Information Sdn Bhd (RAMCI)
http://www.ramcreditinfo.com.my/

You should read this post:
http://www.lawyerment.com/answers/questions/1944/senarai-hitam-ctos

Fully settled accounts are excluded in the CCRIS (Bank Negara) report. CCRIS is much better as they keep your records for 12 months only unlike the other CTOS which keeps your record for life. After you make full settlement, request your bank to provide the new info to relevant credit info bureaus i.e. CTOS. You can also do it being conducting a self check and then providing the relevant updates to them.

There is a general rule that you should apply for a new loan after a year or two for a higher chance of getting your loan approved. All banks have their internal policies which they will definitely not let you know. They simply reject loan application based on your past overdue records especially credit report section: legal actions and non-performing loans (NPL).

@Mathi

CCRIS does not blacklist a person. Similar to CTOS, it provides financial history but for the past 12 months only. If you have Legal Status, Instalment in Arrears for Last 12 Months or Special Attention Account on your CCRIS credit report, it is generally interpreted as bad credit score, bad paymaster, and financially insecure.
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