RAMCI Credit Report

Transcription

RAMCI Credit Report

Get Your RAMCI Credit Report and i-Score
1
HowtoPurchaseCreditReportandi-Score(ScreenshotviaAPP)
1) Loginviae-InfoApp2)Clickmenu
3) InMainMenuclickWalletServices4)Choose‘WALLETTRANSFER’
2
5)Choose‘WALLET4RAMCI’6)ClickPersonalCreditReportPlus(PCRP)
Price:PCRB-RM5.30,PCRP-RM15.90,MCW-RM31.80
7)Informationrequired.
8)Completeallfield.
3
9)Usecameraphoneto
uploadIC(front&back)andDriving
License(frontonly)anddrivinglicense.
10)Makepaymentusingyoure-account
4
10)Reportwillbesendtocustomer’semail.
Purchasedmadebefore1.00pmwill
receivedtherequiredreportwithinthesame
dayandnextdayifotherwise.
5
SampleReport
PersonalReportCreditBasic(PCRB)
6
7
8
PersonalReportCreditPlus(PCRP)
- SAMPLE REPORT -
Strictly Confidential
Personal Credit Report PLUS (PCRP)
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
PERSONAL INFORMATION
Name of Subject
I/C No. (New)
I/C No. (Old) / Passport No. / Other ID
Address
LAM XXXX MING
6107XX-08-896X
1234567
XX, JALAN PUTERI, TAMAN XXXX PUTERI, 47170 KUALA LUMPUR
Credit Score & Risk Grade
CREDIT SCORE
NOTE: The i-SCORE is a credit score, which is a numeric representation of an individual’s credit worthiness, based on prevailing information available on the credit files at the time of scoring.
The majority of credit grantors use some sort of credit scoring model to help predict what kind of credit risk you may be. Other factors, such as your salary and length of employment, may also
be considered by credit grantors when you apply for a loan. As a risk assessment tool, i-SCORE does not provide any conclusive, evaluation or credit decisions for credit grantors.
i-SCORE
361
Risk Grade
Higher
Risk
Key Contributing Factors
(Why the Score is not Higher?)
WEAK
1
FAIR
2
3
4
GOOD
5
6
STRONG
7
8
9
Lower
Risk
10
Time Since Most Recent Delinquency
Outstanding Balance of Active Accounts
Boosting Your Credit Score
Your credit score change when new information is reported by your creditors. So your scores will improve over time when you manage your credit
responsibly. Here are some general ways to improve your credit score:
Pay your bills on time
Apply for and open new credit accounts only when you need them
Do not have any overdue accounts or information such as
Check your credit report regularly for accuracy
bankruptcy and legal action on your credit report
If you have missed payments, get current and stay current
Keep balances low on credit cards
Pay off debt rather than moving it between credit cards
i-SCORE
Risk Grade
<360
1
361-420
2
421-460
3
461-540
4
541-580
5
581-620
6
621-660
7
661-700
8
701-740
9
>740
10
Improving Your Credit Score Can Help You:
Lower your interest rates
Speed up credit application approvals
Reduce deposits required by Telcos, utilities, etc.
Get better offers for credit card, housing loan, car loan, mortgage, etc.
RAM Credit Information Sdn Bhd (532271-T)
NOTICE: The information provided by RAMCI in this report is based on information which has been compiled from public sources and third parties. We do not guarantee the accuracy of the information provided by RAMCI. While we have used our best endeavours to ensure that the
data is complete and accurate, we do not accept any liability for errors, omissions, incomplete information or non-current data and a purchaser or user of the information in this Report shall verify the accuracy of the information on its own. The information furnished is STRICTLY
CONFIDENTIAL and should not be disclosed to any party including the subject concerned. The information in this report is not for evaluation or a comment on the credit-worthiness of the subject nor is it any advice, analysis, observation, representation or comment on the credit risk
of the subject person or company/business or any other entity on whom/which the information is provided. RAMCI shall not be liable for any conclusions drawn by you/the user of any of the information found in this report. Please notify & contact RAMCI promptly of any questions
regarding the accuracy of the information contained in this report to the Customer Service at: No 17-9 & 19-9, 9th Floor, The Boulevard, Mid Valley City, Lingkaran Syed Putra, 59200 Kuala Lumpur, Malaysia or call: +60326151128.
Page 1 of 7
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
BANKING CREDIT INFORMATION
Note: The following information has been extracted from Bank Negara Malaysia. The information is confidential and shall not be disclosed to any other person. We do not warrant as to its accuracy, correctness or completeness. If there is any
inconsistency, inaccuracies or missing details or information, please contact RAMCI Consumer Support Department for assistance.
Subject Status
Warning Remark
No.
Approval
Date
Status
NIL
Capacity Lender Branch
Code
Facility
Total
Date
O/S
Balance
Bal (RM) Updated
Limit
(RM)
Principal
Repayment
Term
Col.
Type
Instalment In Arrears for Last 12 Months
Legal
2015
2014 Status
Jun May Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul
Date
Status
Updated
MONTHLY
MONTHLY
CLEAN
CLEAN
0
0
0
0
0
2
4
1
3
0
2
0
1
0
0
0
0
0
0
0
0
0
0 SUMMON 12/12/2014
0
MONTHLY
MOTOR VEHICLES
(REGISTERED WITH
JPJ)
0
0
0
0
0
0
0
1
0
0
0
0
CREDIT ACCOUNTS (Including Subject’s own/ joint/ sole-proprietor/ partnership accounts)
1
06/08/2010
OWN
xx BANK
14xx
O/S
O/S
2
27/02/2009
OWN
xx BANK
APPLICATION FOR CREDIT
1
17/09/2014 PENDING
23,090.00 30/06/2015
18,080.00 30/06/2015
12xx
O/S
SPECIAL ATTENTION ACCOUNT
1
03/04/2009
50,000.00
CREDIT CARD
CREDIT CARD
50,000.00
PURCHASE OF
PASSENGER CAR
JOINT
xx BANK
13xx
OWN
xx BANK
14xx
OWN
xx BANK
14xx
HOUSING
LOANS/FINANCING
HOUSING
LOANS/FINANCING
43,899.00 30/06/2015
30/06/2015
30/06/2015
40,000.00
NOTES
Branch Code
xx BANK
14xx – RHB Bank Berhad
12xx – JALAN AMPANG (MAIN BRANCH)
O/S – OUTSTANDING; COL - COLLATERAL
data is complete and accurate, we do not accept any liability for errors, omissions, incomplete information or non-current data and a purchaser or user of the information in this Report shall verify the accuracy of the information on its o wn. The information furnished is STRICTLY
Page 2 of 7
9
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
SHAREHOLDING / DIRECTORSHIPS AND BUSINESS INTERESTS
Note: The following information relating to shareholding/ directorship interest by the Subject may not be current. There may be changes which may not be currently available in RAMCI databank.
No.
1.
2.
Company Name (Company No)
XXXX SDN BHD (5XX878-T)
XXXX SDN BHD (123XX9-U)
Position
Appointed
DIRECTOR / SHAREHOLDER
DIRECTOR
18-Mar-2013
29-Nov-2006
Business
Expiry Date
-
Shareholding
%
Last Updated by RAMCI
185,000.00
250,000.00
45.60
50.00
2015-07-20
2015-07-20
PREVIOUS KNOWN COMPANIES / BUSINESS
Note: The following information relating to shareholding/ directorship interest by the Subject may not be current. There may be changes which may not be currently available in RAMCI databank.
No.
1.
Company Name (Company No)
XXXX SDN BHD (8XX555-T)
Position
SHAREHOLDER
Status
Dissolved
Cessation Date
2013-01-24
ANGKASA SPGA INFORMATION
Month of Deduction: Jun 2015
Name of Subject
I/C No. (Old) / Passport No. / Other ID
New IC No.
ADENAN BIN XXXX
A###6778
###718-11-53##
Status
Remarks
Account ID / Reference
Salary No.
Aktif (A)
BERCUTI TANPA GAJI
06809685
Page 3 of 7
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
ANGKASA MONTHLY DEDUCTION
NOTE: The following information is provided by third party sources for your reference. ANGKASA does not guarantee the accuracy of the information. Please check with the Creditors for confirmation. Users should NOT treat the
information as conclusive factor for evaluation purpose.
No Organization Code
1
BANK
BRTXX
Type
Account Status
Begin
End
Pinjaman(6014)
Aktif (A)
11/2012
04/2032 845.00
11/2012
04/2032 845.00
Pinjaman(6014)
Deduction Amount
Total Deduction
845.00
TOTAL DEDUCTION (RM) 845.00
PENDING DEDUCTION
No Organization
Code
Status
Begin
Deduction Amount (RM)
1
SYARIKAT ABC
WLXXX
IN TRANSIT
07/2013
657.00
2
XXX (M) SDN BHD
YHXXX
IN TRANSIT
10/2013
543.00
3
XXX BANK
HTYXX
IN TRANSIT
10/2013
789.00
PAYMENT HISTORY
Code
BRTXXX
Deduction Month
Jun 15
May 15
Apr 15
Mar 15
Feb 15
Jan 15
Date Process
30 Jun 15
31 May 15
30 Apr 15
31 Mar 15
28 Feb 15
31 Jan 15
Amount
845.00
845.00
845.00
845.00
845.00
845.00
Page 4 of 7
10
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
LEGAL ACTION
Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g. it may have been held that the Subject is not liable as alleged in the claim,
if at all or the case against a Defendant may have been struck-off or the alleged debt may have been settled after the entry of the information in our database).
Defendant Name
Defendant Address
Case No.
Notice Date
Notice Ref
Plaintiff
Plaintiff Address
Amount Claimed
Nature of Claim
Suit Ref
LAM XXXX MING
38-9, XXXX Height, Jalan Imbi, Taman Bukit Mas 2,
46000 Petaling Jaya, Selangor.
XX-9982-2014 High Court Selangor
28-XXX-2014
STAR 26-Aug-2014
XXXX Sdn Bhd
XX, Plaza Emas, Persiaran Surian, XXXX Damansara,
53800 Kuala Lumpur.
RM4,389.00
GOODS SOLD & DELIVERED
STAR 23 XXXX 2014
I/C No. (New)
I/C No. (Old) /Passport
Solicitor
Solicitor Address
Solicitor Tel
Solicitor Fax
Solicitor Ref
Solicitor Email
Case Status
Hearing Date
6107XX-08-896X
1234567
XXXXX Wong & Dennis
Level XX, Menara TH Perdana, No. XXXX,
Jalan Sultan Ismail, 50250 Kuala Lumpur.
03-XXXX 5678
03-9876 XXXX
HAA/KL/L-GHY-XXXX
syh@XXX.com.my
HEARING
XX Dec 2014
Page 5 of 7
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
BANKRUPTCY ACTION
Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g. it may have been held that the Subject is not liable as alleged in the claim,
if at all or the case against a Defendant may have been struck-off or the alleged debt may have been settled after the entry of the information in our database).
Defendant Name
Defendant Address
Case No.
Case No.
Creditor Name
Adjudication Order Date
Adjudication Order Ref
Discharge Date
Discharge Ref
LAM XXXX MING
38-9, XXX Height, Jalan Imbi,
Taman XXXX Perdana 2, 46000 Petaling Jaya,
Selangor.
29-XXXX-2014
High Court Selangor
XXX Bank Berhad
XX Nov XX14
XX Nov 2014
20 Dec 2014
OTHERS 23 Dec XXXX
I/C No. (New)
I/C No. (Old) /Passport
6107XX-08-896X
1234567
Solicitor
Solicitor Address
XXXX & TAN
Suite 89-XX, Menara TUANKU, 10XX, Jalan Imbi,
50250 Kuala Lumpur.
03-XXXX 5678
03-9876 XXXX
XXX@stwXX.com.my
Solicitor Tel
Solicitor Fax
Solicitor Email
TRADE BUREAU / CREDIT REFERENCE
Note: The following information is provided by third party sources for your reference. Searched Subject will also be listed if he/she is in guarantor capacity. RAMCI does not guarantee the accuracy of the information. Please check with the
creditors for confirmation as alleged debts may have been settled since recorded. Users should NOT treat the information as conclusive factor for evaluation purpose.
Subject Name
Creditor Name
Industry
Creditor Ref
Amount Due
Aging Days
Debt Type
LAM XXXX MING
XXXX Appliances Sdn Bhd
RETAIL FINANCE
GY-XX64-KJ
RM7,008.91 (AS AT 20 Dec 2014)
> 120 days
Loan Extended
Subject ID
Solicitor Name
Solicitor Address
XX99-00-87/HU87656
Jason & XX Co.
67, XXX AHL, Jalan Tebrau,
Taman XXXX, 32789 Kuala Lumpur.
Solicitor Contact
LOD/NOD Date
03-XXXX 8899
LOD (XX-Dec-2014)
Page 6 of 7
11
- SAMPLE REPORT -
Report Date
PCRP No.
:
:
20 Jul 2015
####11335
ENQUIRIES MADE ON YOU
Note: Enquiries made on you refer to search enquiries made by RAMCI subscribers which consists of banks businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, financial institutions, trading and
commercial companies, employment agencies, professionals e.g. lawyers, accountants, property valuers etc. amongst others.
No.
1.
2.
3.
Enquirer Business Sector
Date Search
2015-01-13
2015-06-17
2015-06-26
FINANCE SERVICES
PROFESSIONAL FIRMS
BUSINESS CORPORATION
-END OF REPORTRAMCI Internal Reference:
Date: 2015-07-20
Time: 10:22:46
User ID: MYC1
Page 7 of 7
12
MyCreditWatch(MCW)
-SAMPLE REPORT-
MY CREDIT WATCH REPORT
Name
I/C No. (New)
I/C No. (Old) / Passport No.
:
:
:
LIM CHXX MXXG
6107XX-08-896X
1234567
Alert Date
Report No
:
:
28/04/2015
28042015(6)
SUMMARY REPORT
SECTION
NEW ALERT
CHANGES
1
1
C
LITIGATION (LEGAL ACTION / BANKRUPTCY /WINDING-UP /
FORECLOSURE)
DEFAULTED PAYMENT
1
0
D
ENQUIRIES MADE ON YOU
2
0
TOTAL OF HIT(S) RECORDED
4
1
A&B
DESCRIPTION
Note : Defaulted Payment refers to payment information contributed by RAM Credit Information Sdn Bhd’s Trade Bureau
members
IMPORTANT: You are advised to review your records periodically to ensure its accuracy
SECTION A : LITIGATION (LEGAL ACTION / BANKRUPTCY / WINDING-UP / FORECLOSURE)
NEW ALERT
TOTAL : 1
Type
BANKRUPTCY
Case No
24-3185-2013 HIGH COURT JOHOR
Creditor Name
XXX BANK BERHAD
Solicitor Name
XXX & RAHIM
Solicitor Address
SUITE XX-07, PLAZA ABC, 59200 KUALA LUMPUR
Solicitor Ref
Solicitor Tel
UBM/XXXX/HSE(M)
03-XXXX 2233
Solicitor Fax
03-XXXX 1122
Adjudication Order Date
Adjudication Order Ref
Discharge Date
18 XXX 2014
XX Oct 2014
XX Apr 2015
Discharge Ref
NST XX Apr 2015
SECTION B : LITIGATION (LEGAL ACTION / BANKRUPTCY / WINDING-UP / FORECLOSURE)
CHANGES IN STATUS
TOTAL : 1
Type
LEGAL ACTION
Case No
12-XXXX-2013 HIGH COURT JOHOR
Solicitor Name
XXX & ASSOCIATES
Solicitor Address
SUITE 88-XX-XX, MENARA BANGSAR, JALAN XXXX, 59100 KUALA LUMPUR
Solicitor Ref
KUJ/2013/XXXHN
Solicitor Tel
03-XXXX 2754
Solicitor Fax
Plaintiff
03-2233 XXXX
XXX PIPES SDN BHD
Page 1 of 2
13
-SAMPLE REPORTAmount Claimed
RM11,290.00
Nature of Claim
GOOD SOLD & DELIVERED
Case Status
CASE WITHDRAWN / SETTLED
Case Reference
Others
Case Status Date
11 Dec 2014
Last Update by RAMCI
24 Apr 2015
SECTION C : DEFAULTED PAYMENT
No
1
Creditor
XXX MOBILE SDN BHD
Amount Due (RM)
As At Date
2,088.00
24/04/2015
SECTION D : ENQUIRIES MADE ON YOU
Enquiries made on you refer to search enquiries made by RAMCI subscribers which consists of banks businesses and companies,
government and statutory bodies, clubs, cooperatives, commercial banks, financial institutions, trading and commercial companies,
professionals e.g. lawyers, accountants, property valuers etc. amongst others.
No
1
2
3
Enquirer Business Sector
FINANCE BANKING
PROFESSIONAL FIRMS
FINANCE SERVICE
Date Search
20/12/2013
20/08/2014
24/04/2015
-End of Report-
DISCLAIMERS
Note: The above information on legal action/ bankruptcy/ winding-up / foreclosure/ defaulted payment may not be current. The cases may have been dismissed,
withdrawn, settled or struck off (eg: it may have been held that the subject is not liable as alleged in the claim, if at all or the case against a Defendant may have been
struck off or the alleged debt may have been settled after the entry of the information in our database). If the legal cases taken against you are settled or have come
to a conclusion, you can send us documents proving settlement for us to update the records.
NOTICE: The information provided by RAMCI in this report is based on information which is available to the public. We do not guarantee the accuracy of the
information provided by RAMCI. While we have used our best endeavours to ensure that the data is complete and accurate, we do not accept any liability for
errors, omissions, incomplete information or non-current data and a purchaser or user of the information in this Report shall verify the accuracy of the information
on its own. The information furnished is STRICTLY CONFIDENTIAL and should not be disclosed to any party including the subject concerned. The information in
this report is not for evaluation or a comment on the credit-worthiness of the subject nor is it any advice, analysis, observation, representation or comment on the
credit risk of the subject person or company/business or any other entity on whom/which the information is provided. RAMCI shall not be liable for any conclusions
drawn by you/the user of any of the information found in this report. Please notify & contact RAMCI promptly of any questions regarding the accuracy of the
information contained in this report to the Consumer Support Division at: No 17-9 & 19-9, 9th Floor, The Boulevard, Mid Valley City, Lingkaran Syed Putra, 59200
Kuala Lumpur, Malaysia or call: +603-2615 1100.
Page 2 of 2
14

RAMCI Credit Report

Transcription

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