Your Credit Score is Going Public!

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Yes, you read that right: your credit score can now be accessed as easily as opening a phone app, at least for the first 100,000 app users. Malaysian credit reporting agency CTOS launched its CTOS app that provides information on your identity verification, business exposure, repayment behaviour, legal actions, case status, and bankruptcy information for […]


PTPTN Cracking Down on Errant Borrowers

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Featured image via Remember when PTPTN was considering blacklisting errant borrowers in the Central Credit Reference Information System (CCRIS)? Now it’s a dream (or nightmare) come true. You might want to sit up and pay attention to this one, because your credit rating isn’t something to be taken lightly. What is CCRIS? CCRIS, or […]


Does Your Credit Score Define You?

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If you’re here, you’ve probably been trawling the World Wide Web for information on personal finance, credit cards, loans, mobile phones, broadbands, or insurance. And you’ve probably stumbled upon the terms ‘credit score’ and ‘credit health’ more times than you can count. So is your credit score truly the be-all-end-all for you? Financial Institutions: YES […]


Make Surprise Expenses Painless!

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For the typical belt-tightened individual, surprise expenses are something they can do without. Unfortunately, the entire reason they’re called surprise expenses is that they’re unexpected, but luckily, you can still be more prepared for it if you plan your finances well. One of the ways you can do so is by reducing the sting of […]


What is OPR and How Does It Affect You?

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Featured image via The Star Online 2015 hasn’t been very kind to Malaysia’s economy and 2016 looks to fare just a little better. Our currency is the worst-performing currency in South-East Asia, the price of crude oil still isn’t improving too much, and the Goods and Services Tax (GST), which may help government coffers, is […]


How to Fix Your CCRIS Report

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Would you lend ten thousand ringgit to a stranger? If you just balked, don’t worry, that’s normal because RM10,000 is a lot of money. And while we’re along the same line of thought, have you ever wondered how banks dare to loan out thousands or millions of ringgit to people they don’t know? They may […]