http://forum.lowyat.net/ Mon, 27 Jul 2026 10:50:29 +0800 FeedCreator 1.7.2 http://forum.lowyat.net/topic/4675523 some one used my ic to applied card and it took me many sweat and tears to settle the issue. I do not want another such incident happen again what should I do? anyone has any idea on this? Jesmunso Finance, Business and Investment House Wed, 17 Oct 2018 00:17:13 +0800 http://forum.lowyat.net/topic/4010146 Hi<br /><br />Just found out this write up about credit report and ctos for sharing <!--emo&:)--><img src='http://static.lowyat.net/style_emoticons/default/smile.gif' border='0' style='vertical-align:middle' alt='smile.gif' /><!--endemo--><br /><br />What is CTOS?<br />CTOS is a registered Credit Reporting Agency under the ambit of the Credit Reporting Agencies Act 2010. CTOS collates and provides individuals with their credit reports that detail their credit history for the past 24 months, legal proceedings, company ownership and directorship, and even testimonies from companies that they have business dealings with.<br />Before applying for any loan, you can evaluate your credit profile via CTOS to ensure your credit records are clear and free from any doubts so you get the best possible chance of getting an approval from the bank.<br /><br />How to get your FREE MyCTOS report online?<br /><br /><a href='https://ctosid.ctos.com.my/ctosid_new/SimpleRegister-showSimpleRegistration' target='_blank'>Sign Up</a><br /><br />[attachmentid=7147895]<br />[attachmentid=7147974]<br />[attachmentid=7147980]<br /><br />1. Registration of account<br />To get the report online, you need to create an account on CTOS website. <br />Then, attach the images (front and back) of your MyKad to verify your details, and fill in your mobile number TAC verification code will be sent to your mobile to complete the registration process.<br /><br />2. Activation of CTOS ID<br />CTOS will require 3 working hours to verify your details and provide you with a valid User ID that you need to access your CTOS report.<br /><br />3. Accessing your MyCTOS report<br />Just login to CTOS using your login and password, and click on MyCTOS Report.<br /><br />For more comprehensive MyCTOS report with CCRIS just login and buy the report for RM20.<br /><br />What do financial institutions look at on your MyCTOS report?<br /><br />Your CCRIS details which further broken down to 3 parts:<br />1. Outstanding credit<br />2. Special attention account<br />3. Credit application<br /><br />Does bank really look into this report?<br />I want to know more about this.<br /> Jesmunso Finance, Business and Investment House Fri, 22 Jul 2016 12:06:09 +0800