Get Ctos Consent Form

Despite the common misconception of blacklisting people from obtaining bank loans, CTOS and CCRIS DO NOT blacklist anyone as they merely collect information about the financing and repayment history of a borrower and pass it on to banks for them to assess the borrower's loan application.

While soft inquiries can be made without your permission or even your knowledge, they are only visible on your report to you and do not have any effect on your scores.

A credit report authorization form is a document used to give permission to an individual or organization to perform a credit report only. This form provides broad language that allows a credit report to be generated for any type of legal reason in compliance with the Fair Credit Reporting Act (FCRA) (15 U.S.C.

If you do spot errors or items that should have aged off your report, you'll need to let us know. You may contact us at (03-2722 8833) or fill up the online form and email to sarus@ctos.com.my. For the full, detailed article on how to correct inaccuracies o your credit report, click here.

Here's everything you need to know about CTOS....Documents you'll need to provide: MyKad (both front and back copies, compulsory for verification purposes) Documentary evidence from your bank, such as a settlement letter (if applicable) SSM, court or litigation documentation (if applicable)

While the general public can't see your credit report, some groups have legal access to that personal information. Those groups include lenders, creditors, landlords, employers, insurance companies, government agencies and utility providers.

Now, the good news is that lenders can't just access your credit report without your consent. The Fair Credit Reporting Act states that only businesses with a legitimate reason to check your credit report can do so, and generally, you have to consent in writing to having your credit report pulled.