About CCRIS
Majority of financial institutions in Malaysia will update their client's loan information to the Credit Bureau at Bank Negara Malaysia (BNM) monthly. Upon request CCRIS will processes the credit data received from the financial institutions and summarises the information into credit reports for the financial institutions or yourself.
CCRIS report will shows the total principal, interest and charges outstanding on each of your loans (housing loans, personal loans, credit cards, car hire purchase and overdrafts). It will also reveal the number of month(s) your repayments are in arrears on a monthly basis for one year. The CCRIS report also shows other loans you have applied for as well as brief information on summonses or bankruptcy petitions if any. The Financial institutions who assess your credit rating will look for the repayment behaviour, total debt commitment & etc.
You can obtain your own free credit report by visiting BNM at:
Jabatan Komunikasi Korporat
Ground Floor, D Block, Jalan Dato' Onn, Kuala Lumpur.
Tel: 1-300-88-5465 (Overseas: 603-2174-1717)
Fax: 603-2174-1515
E-mail: bnmtelelink@bnm.gov.my
For more information on CCRIS you may go to http://creditbureau.bnm.gov.my/
About CTOS
CTOS Sdn. Bhd. will collate information usually from courts or national newspapers on bankruptcy and summons of individuals and companies. The Bankruptcy reports usually provide information on the Court filing number, the location, the date of the Notice or order, the name of the individual, the identification card number and, in the case of petitions, the date of the court hearing. Summons information usually include details of individuals and companies, the Court filing number, the location of the filing, the date of the Notice or order, the amount of the summons (if available) and the date of the court hearing.
You can obtain your free CTOS report from:
CTOS Sdn Bhd (209649-U)
Unit A-8-4, 8th Floor, Megan Avenue 1,
No 189, Jalan Tun Razak, 50400 Kuala Lumpur
Tel: 603-2770 8833
Fax: 603-2770 8834
For more information on CTOS please go to: http://www.ctos.com.my/
Personal Finance, Planning and Management to Wealth Creation
At Clic Finance, you are not going to find any get-rich-quick schemes nor multi-level marketing things for wealth creation. Instead, I will be sharing the information on personal finance knowledge and related topics.
I am personally love to acquire knowledge and skills in personal finance hoping to find answers to deal with debts, how to get out of it fast and how to manage loans to wealth creation and so on.... I could said there are people who get rich quickly, but the fact is almost anyone can get rich slowly and patiently.
In your journey to wealth creation, Don’t become obsessed with money and wealth. Always Remember! Money does gives you more options, but happy and balanced life makes your life worth living. Having lots of money does not guaranttee/mean your happiness in life. You happiness come the moment you receive the services or values that money can bring you.
Learn to have a balanced happy life in wealth creation with proper saving, investment strategies and spending planning.
May be by now you are asking youself: "How I am going to start or achieve it?"
It's simple, Take your actions now and remember failure is ok. A thousand mile journey always start with the 1st step. The sooner you determined to start moving toward your goals, the easier they are to reach. Everybody makes mistake, the important point here is, have you learned anything from it. Every mistake encountered makes you stronger and get closer to the door of success. It would be better to fail once than you have never tried it.
Lastly please note that everything you read here is my own informed opinion. Never believe everything you read, and always form your own conclusions.
Thank You.
I am personally love to acquire knowledge and skills in personal finance hoping to find answers to deal with debts, how to get out of it fast and how to manage loans to wealth creation and so on.... I could said there are people who get rich quickly, but the fact is almost anyone can get rich slowly and patiently.
In your journey to wealth creation, Don’t become obsessed with money and wealth. Always Remember! Money does gives you more options, but happy and balanced life makes your life worth living. Having lots of money does not guaranttee/mean your happiness in life. You happiness come the moment you receive the services or values that money can bring you.
Learn to have a balanced happy life in wealth creation with proper saving, investment strategies and spending planning.
May be by now you are asking youself: "How I am going to start or achieve it?"
It's simple, Take your actions now and remember failure is ok. A thousand mile journey always start with the 1st step. The sooner you determined to start moving toward your goals, the easier they are to reach. Everybody makes mistake, the important point here is, have you learned anything from it. Every mistake encountered makes you stronger and get closer to the door of success. It would be better to fail once than you have never tried it.
Lastly please note that everything you read here is my own informed opinion. Never believe everything you read, and always form your own conclusions.
Thank You.
Thursday, March 26, 2009
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