The biggest cargo people carry these days is debt. Borrowing, including the use of credit cards, is habit-forming. Once you get caught in the habit, you run the risk of spending more than you can really afford.

There have been irresponsible parties pretending to be Direct Lending and offering pre-approved loan. These scammers are still actively on the loose.

We have received many inquiries from our customers on how to improve their CCRIS report (Central Credit Reference Information System) records.

It cannot be denied that taking up loan is risky especially if the borrower has a bad repayment pattern and lack of money management skill.

Those whose source of income has been dwindling down and are unable to apply for the moratorium or not eligible for one might consider a personal loan application instead.

“Your loan is rejected because you have a bad CCRIS or CTOS record”. Have you been told this before by a bank officer? And you are wondering, “What is CCRIS and CTOS?”.