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HENCE, BANK NEGARA MALAYSIA OR ANY REPORT PROVIDER CANNOT ASSUME ANY LIABILITY WITH RESPECT TO THE ACCURACY OR COMPLETENESS OF THE INFORMATION.THE INFORMATION CONTAINED IN THIS REPORT IS SUPPLIED ON A CONFIDENTIAL BASIS TO YOU AND SHALL NOT BE DISCLOSED TO ANY OTHER PERSON.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.Loans under special debt management schedules such as negotiated by AKPK will also fall under here.It could be due to dishonoured/bounced cheque incidents too.
How does bank define loan repayment due which appears in CCRIS report?
In practical, issue crops up impacting consumer when the banks are delayed in updating their customers’ credit facility records to the CCRIS in a timely manner, despite the fact that the banks are supposed to do so on the 15th of each month.
Banks do have problems with their core banking systems (breakdowns, delay, heavy traffic, unable to close the end-of-month due to adjustments in accounts, etc) so there may be reporting delays.
Usually, a grace period is given so that the report that the collection team gets is shorter and easier to manage.
In short, whatever that comes out in the CCRIS report will depend on how fast your bank report the account to CCRIS, as BNM only compiles whatever that have been reported to them. Loans reported under Special attention Account are loans that are non performing loans (NPL) that the financial institution has placed under special monitoring in view of recovering the loan or in the midst of collection.