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Also in all fairness, information on rejected credit applications is not reflected in credit reports so that one bank will not be biased by the prior decision of another bank.Your CCRIS information could in fact be treated differently and subjectively by each financial institution.

Financial institutions’ credit officers are able to access the applicants’ CCRIS report from the comfort of their offices while the public have to drive all the way to Bank Negara or its branches just to do the same.*This is based on my own account of doing CCRIS check and getting report from Bank Negara Penang of Feb.In practical, issue crops up impacting consumer when the banks are delayed in updating their customers’ credit facility records to the CCRIS in a timely manner, despite the fact that the banks are supposed to do so on the 15th of each month.We believe there's no need to share such information with providers without the actual intent to buy stuff.Anyone can make a website with a form and require you to insert valuable and sensitive information which requires you to give up your privacy.

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