CCRIS is a monthly report of your repayment behaviour across banks in Malaysia. Good, on-time payments usually mean a higher chance of approval. If you have no history or many late payments, banks may reject or offer stricter terms until your record improves.

If the delay is serious (about 2–3 months late), clear the arrears or settle the loan in full, then keep a clean record for several months. You can try applying as soon as the next cycle updates, but many banks prefer to see around a year of good payments for stronger approval. If it’s a lighter delay (about 1 month late), pay off the arrears quickly or settle the facility, let CCRIS update the following month, and then apply once your record shows current.

Yes. Most CCRIS issues come from late payments, high credit card utilisation, or frequent new borrowings. We’ll map a simple plan: pay on time, reduce card balances, avoid new commitments, and tidy DSR so your profile looks stronger to banks over the next few reporting cycles.

We’ll review your documents, identify the exact blocker (e.g., recent arrears, high utilisation, short job tenure), fix what we can, and then reapply to banks that are more open to your profile. Sometimes adjusting the amount or tenure helps meet the bank’s affordability rules.

CCRIS updates monthly. Late payments remain visible but look better once you resume on-time payments (serious arrears often need several clean months, and some banks like to see up to 12 months clean). If you’re flagged under Special Attention Account (SAA) and you settle, the status typically clears after the next 1–3 monthly updates. For legal cases, even after settling, records may remain visible for a longer period, often up to about two years, before they fully clear in the system.