Nobody wants to be blacklisted by a bank as this would normally affect your chances with other banks if there is a record. This might severely affect your credit worthiness in the long run. Here are some methods and tips to help you keep track of your credit and avoid being black listed.
In Malaysia there are 3 leading Credit Report Agencies (CRA) that are registered under the Credit Reporting Agencies Act 2010. These CRA’s can access credit information of individual borrowers through CCRIS with the prior consent of the borrowers. CTOS Sdn Bhd, RAM Credit Information Sdn Bhd (RAMCI), and the Credit Bureau Malaysia.
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