If you have been denied credit but don’t know the reason for it, the first thing you’ll need to do is find out why.
Once you know the reason, you can take steps to rectify the situation.
Here’s what you can do:
Step 1 – Obtain your latest credit report
To know exactly what is reported on your credit report, register yourself and get your latest MyCTOS Report. The information on your report changes each month as we constantly gather and update credit information.
Step 2 – Contact the relevant parties for assistance
If you need help regarding your debt management or financial / credit health, you may contact the following parties:
- AKPK (for personal financial management, debt management counselling and advice)
- PTPTN (for queries related to study loans, such as loan restructuring advice)