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  #1  
Old 06-03-2008, 10:13 AM
GeeKaDoY GeeKaDoY is offline
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Default Cara/Procudure Membersihkan CCRIS

Kepada yg mengetahui,

Apakah sebab2 mendapat status CCRIS?, Dan
Bagaimana mahu menghilangkannya?

sebab pengetahuan saya,

sebab2 dapat ccris, kita tak bayar loan/CC
dalam masa 3 bulan berturut2, betul ker?

pastu kalau kita dah start bayar secara
constant, blh ke nak hilangkan CCRIS tu?
berapa lama?

Ataupun kena langsaikan semua?

Atau ada procudure lain?

Sapa2 tau detail, tolong bagitau sat....

TQ
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  #2  
Old 06-03-2008, 12:18 PM
haQ haQ is offline
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ccris --> rekod 1 tahun
tp kalau 6 bulan ok, maknanya ok lah
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  #3  
Old 06-03-2008, 12:42 PM
GeeKaDoY GeeKaDoY is offline
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Quote:
Originally Posted by haQ View Post
ccris --> rekod 1 tahun
tp kalau 6 bulan ok, maknanya ok lah
tak paham, rekod per?

rekod bayaran kepada bank
atau
rekod nama kat bank negara
atau
rekod tunggakkan
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  #4  
Old 06-03-2008, 01:57 PM
nasuha_2007 nasuha_2007 is offline
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bln 12 thn pas aku ada apply personal loan,
tapi tak lepas sbb bank kata aku ada ccris,
mmg aku ada loan yg tertunggak 2 bln,
tiap2 bln aku bayor sebln jer,
agaknya sebab tu la blaclist..
bulan pas aku setel tungakan tuh...
minggu pas aku apply credit card(test jer bole pas ke tak)
approve plak...
adakah bermakna ccris aku dh clear?
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  #5  
Old 06-03-2008, 02:08 PM
marukochan marukochan is offline
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Saya plak tak bayor loan rumah sebab amik legal action ndak sue developer sebab tipu & bank sebab negligence. Dah kena black list ngan CCRIS. Sumer application x approve. Sakit ati betoi ler.

Kalu camtu, ada cara ke ndak clearkan dari CCRIS. Legal procedure kat M'sia nih paham2 jer. Mau makan tahun baru setel. Tu pun kalo menang. Kalo developer declare dia bankrap, berputih mata jer lah.


*Moralnyer : Jgn beli any property dari developer Dataran Mantin. Mcm hampeh!!
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  #6  
Old 06-03-2008, 02:09 PM
abgkl2009 abgkl2009 is offline
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ccris stand for apa
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  #7  
Old 06-03-2008, 02:25 PM
GeeKaDoY GeeKaDoY is offline
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Quote:
Originally Posted by abgkl2009 View Post
ccris stand for apa
CCRIS - Central Credit Reference Information System (CCRIS)

adik beradik CCTOS

tapi CCRIS under Bank Negara
CCTOS under private...
tapi takleh pakai dah CCTOS tu.. nak tau lanjut
pasai CCTOS tgk thread kat atas skali tuh.....


CCRIS ni dia blacklist kan nama peminjam yg tak bayar...

yg tak tahunya macamana procudure depa nak blacklistkan nama peminjam tu....
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Old 06-03-2008, 02:33 PM
GeeKaDoY GeeKaDoY is offline
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Quote:
Originally Posted by nasuha_2007 View Post
bln 12 thn pas aku ada apply personal loan,
tapi tak lepas sbb bank kata aku ada ccris,
mmg aku ada loan yg tertunggak 2 bln,
tiap2 bln aku bayor sebln jer,
agaknya sebab tu la blaclist..
bulan pas aku setel tungakan tuh...
minggu pas aku apply credit card(test jer bole pas ke tak)
approve plak...
adakah bermakna ccris aku dh clear?
eh betul ker sebegitu cepat.... ada setengah kata nak clear nama
kena tunggu 3 bulan la, 6 bulan la, 1 tahun la....
tgk kelapangan bank negara la....

so, maksudnya kalau kita seattlekan tunggakkan
(3 bulan atau 2 bulan tunggakkan) lepas tu kita
dak leh apply loan/CC lain la....

kalau tunggakkan keta? ada kena CCRIS tak?
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  #9  
Old 06-03-2008, 03:30 PM
akaklin79 akaklin79 is offline
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kak baru balik dari bank negara...last week

kak memang ader problem cc dah blocked dekat 1 tahun....dan bayar tiap 2 bulan dlm rm200 dan kadang rm100...then last sampai bulan 2 ader baki rm500.then pergi jejalan ke pergi bank negara...bagi ic then depe check...haya...tulis kat form tu...cc ader tertunggak until january 11 bulan.....sekali pandang 11 bulan tak bayar.sampai kak kaunter bagi form APKP..

and at the same time...loan kete ader tersangkut 1 bulan..actually kak dah terlebih bayar pada bulan 12..emmm...rupernyer..kak call bank kete.... dier ckp bab bulanan memang ok sampai terlebih bayar...tapi kak ader fee pasal bab legal +interest lewat bayar ( tak ikut due date)+itu ini belum settle... so if kak tak settle dier takkan clear kan...
yag best tu maser kak gi kaunter kak tanya berapa riban lagi kak kene bayar untuk masu sure account kak clear...kerani tu ckp bayar banyak nie then all ok..sebenarnya dier tak ckp pasal fee....all the denda2 tu...+ interest -itulah inilah.so kak pun bangga lah bulanan kete cantik...sebenarnya ader yang terhidden di belakang...

then aper lagi yekkk....so semua kak dah settle...
cc dah bayar rm500.dah abis so closed..then kete dah settle semua fee+ansuran pun dah terlebih bayar.

tapi kak nak tahu dan tanya sesaper yang tahu...
dlm form ccris tu ader tulis
special attention account
tapi kak situ dier tak tulis bulan2 aper yang tertangguh...
aper maksud special attention ccount tu?
adakah akan memberi kesan jugak

thanks
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  #10  
Old 06-03-2008, 03:36 PM
akaklin79 akaklin79 is offline
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bawah coloumn special attention account tu ader lah list cc kak yang lain yang masih tertangguh...
dier cume tulis date apply/code bank itu jer
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