Senarai Hitam CTOS

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asked on Oct 3, 2011 at 15:39
edited on Dec 19, 2016 at 10:09
Nama saya masih di senarai hitam mengikut rekod CTOS. Saya telah menyelesaikan segala hutang dan mengikut rekod bank negara saya tidak di senarai hitam untuk membuat pinjaman. Walau bagaimana pun bila saya merujuk ka institusi kewangan untuk membuat pinjaman rekod CTOS menunjukkan saya masih disenarai hitam dan saya gagal untuk membuat pinjaman.
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answered on Aug 7, 2013 at 01:42
CTOS is not actually a blacklist. It simply provide your credit history to financial institutions.

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 keep 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).
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