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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.
The report will be sent to the nearest financial institutions to your home address.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.As of to date, BNM still does not have any online facility for the public to download and print their own CCRIS reports. If you are staying out of the BNM branches, you may request your credit report via mail, just complete and send them the application form together with the required documents and fax/send to them.(with over 200 questions & answers in the comment section below this article, you surely will find the most relevant answer to your questions.So make sure you stick around and don’t leave this CCRIS guide before you read everything in the comments section)CCRIS is a centralized system under Bank Negara which compiles data on your outstanding loan amount and payment history for the past 12 months, at any given time. If you are late in payment (lets say 6 months outstanding in Feb 2015) but you have paid off the outstanding in March 2015, the records will still show February = 6 months, March = 0 months, April = 0 months.