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(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.
However, the Credit Bureau simply reports and does not "judge" your creditworthiness.As CCRIS is a report for 12 month period, the 6 months in arrears records will only 'disappear' in February 2016 (12 months later).You just cannot erase or request to clear it before that, as it is a rolling report.Step 3: Print out and complete it If you want fast and convenient to do CCRIS check online without going to BNM - follow the instructions above.
*This is based on my own account of doing CCRIS check and getting report from Bank Negara Penang Disclaimer on CCRIS records/report: THE INFORMATION CONTAINED IN YOUR CCRIS REPORT HAS BEEN COMPILED FROM THIRD PARTIES AND DOES NOT REPRESENT THE OPINION OF BANK NEGARA MALAYSIA OR ANY REPORT PROVIDER LIKE CTOS OR RAMCI AS TO YOUR CREDIT WORTHINESS.Loans under special debt management schedules such as negotiated by AKPK will also fall under here.