[INFOGRAPHIC] How to Clear Your Negative CCRIS Report? - Direct Lending Malaysia

[INFOGRAPHIC] How to Clear Your Negative CCRIS Report?

Many thought that with a bad CCRIS and CTOS record, they are unable to apply for financing as they are considered being ‘blacklisted’. However, that is not the main factor. If your credit record is unfavourable, it would also be harder for your loan to be approved especially by commercial banks.

So, what does it mean by a bad or unfavourable credit record? For example, you have existing loans overdue for 3 months and above, listed under ‘Special Attention Account’ (SAA) and legal action has been taken by banks due to non-payment of loans.

But worry not, there are still ways and solutions that you can use to help clear your CCRIS & CTOS report. Here are 7 ways to help you clear your CCRIS record. Hope you will find this infographic useful!

This infographic is prepared by Direct Lending, an online personal lending platform that provides bank and koperasi personal loan. We can help you find, compare and apply personal loan that best suit your financial needs. If you have a bad CCRIS, CTOS record or listed under the SAA and AKPK programme, you can still apply for a koperasi personal loan here at Direct Lending. Check your eligibility for free, no upfront payment or processing fees.


1. Consolidate your debt and set to auto debit

Combine all of your debt with debt consolidation so that you can focus on paying one installment. Set your monthly installment to auto debit to ensure that you stay disciplined and pay on time.

2. Settle your overdue loan amounts first

You need to focus on settling your overdue loan amounts first and make it a priority. This will help to improve your credit record. Try to reduce unnecessary spending such as spending on your wants. For example, like buying expensive coffee, latest gadget, branded clothing and more.  

3. Earn extra income

You could also earn extra income especially after work hours or during the weekend. Make good use of this income to help settle your debts.

4. Refinance your credit card debt

You can choose to do refinancing. For example, to settle your expensive credit card debt, find a low interest rate personal loan. This will help you to reduce your monthly commitment.

5. Apply for a koperasi loan

If you are a civil servant, you can apply for a koperasi loan that accept borrowers with a negative CCRIS or CTOS record. Koperasi personal loan is an alternative to help you ‘overlap’ or settle your existing debt.

6. Reschedule your loan repayment

In any case, if you feel burdened to pay up your monthly loan repayments, it is advisable to discuss with your respective bank on the option of rescheduling your loan repayment.

7. Be financially disciplined

Lastly, if you have successfully followed the steps above, don’t forget to be financially disciplined and consistently pay on time. Remember to also check and track your CCRIS record from time to time. Learn how to ‘read’ your CCRIS record in this article on what is CCRIS and CTOS and how to read your CCRIS report.

To read the full article on how to clear your negative CCRIS record, you can refer to this article – 7 ways to clear your CCRIS record.

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