ee378500ac (ABSKL CONSULTANT COMMON)

CM-2506-20230331142258

EE378500 (ABSKL CONSULTANT)

+60163491957

Report No.

Date

:
:

:

2023-03-31  14:22:58

:

:

Attention
Account

Tel

Strictly Confidential

CTOS SCORE REPORT

A: SNAPSHOT

ID Verification

Name (Your input)

DHARULL NAIM BIN DRAMAN

New ID / Old ID (Your input)

811105146129 / -

Name

DHARULL NAIM BIN DRAMAN

New ID

811105146129

Old ID

-

Date of Birth

05-11-1981

Nationality

MALAYSIAN   Source: CTOS DATABASES AND
OTHER SOURCES

Address 1

-

Address 2

-

Ref No

-

Credit Info at a Glance

Credit Info

Source

Value

Bankruptcy Proceedings Record

NO

Newspaper/Gazette

0

0

Legal records in past 24 months
(personal capacity)
- Number
- Value

CTOS

0

0

Legal records in past 24 months
(non-personal capacity)
- Number
- Value

CTOS

Availability of Legal Records

NO

BNM

Special Attention Accounts

NO

BNM

11,960.00

Outstanding credit facilities
- Number
- Value
- Installments in arrears in past 12 months

1

BNM

NO

Credit applications in past 12 months
- Total
- Approved
- Pending

1
1
0

BNM

eTR Plus at a Glance

No Information Available

648

Factors that influence the Score

1.

There is serious delinquency on the accounts,
adverse record or collection filed on the credit
report.

2.

Number of accounts with delinquency on the
credit report is high relative to the other
applicants scored.

3.

Lack of recent revolving/charge account
information on the credit report.

4.

Time since derogatory adverse record or
collection on the credit report is too short
relative to the other applicants scored.

CTOS Litigation Index

0000

9999

0000

Index Description

00

Clean

0

Not applicable

0

Number of records

Section Summary

CTOS

Others

ID

SSM

IL

LGL

A

B

-

-

BPH

C

Section

Selected

Available

TR

-

Notes on various sections
-    ID refers to data from CTOS' identify database
-    SSM refers to data from Suruhanjaya Syarikat Malaysia
-    BPH refers to data from Bank Negara Malaysia
-    LGL refers to data from CTOS' litigation database
-    TR refers to trade reference data submitted by merchants
-    IL refers to your own internal list (if provided to CTOS)

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The report contains information compiled from data sources which CTOS  does not control and which may not have been verified unless otherwise stated in this report. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.

1 of 4

ee378500ac (ABSKL CONSULTANT COMMON)

CM-2506-20230331142258

EE378500 (ABSKL CONSULTANT)

+60163491957

Report No.

Date

:
:

:

2023-03-31  14:22:58

:

:

Attention
Account

Tel

Strictly Confidential

CTOS SCORE REPORT

B1: DIRECTORSHIPS AND BUSINESS INTERESTS

No Information Available

B2: ADDRESS RECORDS

LAST UPDATED

SOURCE

ADDRESS

No Information Available

C1: BANKING PAYMENT RECORDS (SOURCE: CCRIS, BANK NEGARA MALAYSIA)

Subject Status

-

CCRIS Entity Key

18532514

CCRIS SUMMARY

Credit Applications

No of Applications

Amount Applied

Approved in past 12 months

1

6,520.00

Pending

0

-

Summary of Potential & Current Liabilities

Outstanding

Total Limit

FEC Limit

As Borrower

11,960.00

20,000.00

-

As Guarantor

-

-

-

Total

11,960.00

20,000.00

-

Legal Action Taken

N

Special Attention Account

N

CCRIS DETAILS

Loan Information

No

Date/R&R

Sts

Capacity

Lender

Type

Facility

Total

Outstanding

Balance (RM)

Date

Balance

Updated

Limit/

Installment

Amount (RM)

Prin.

Repmt.

Term

Col

Type

Conduct Of Account For Last 12

Months

Date

Status

Updated

LGL
STS

2023

2022

M F J D N O S A J

J M A

Outstanding Credit

1

12-11-2007

Own

CB

20,000.00

O

PELNFNCE

11,960.00

28-02-2023

316.00

MTH

00

0

0

0

0

0

0

0

0

0

0

0

Total

Outstanding

Balance:

11,960.00

Total Limit:

20,000.00

Special Attention Account

Credit Application

1

29-03-2023

A

Own

OTH

OHRPCREC

6,520.00

REMARK LEGEND

FACILITY:
PELNFNCE – Personal Loans/Financing Pinjaman Peribadi
OHRPCREC – Other Hire Purchase Receivables

LOAN INFOMATION STATUS:
O – Outstanding Belum jelas

CREDIT APPLICATION STATUS:
A – Approved by FI

LEGAL STATUS:

CCRIS DERIVATIVES

Earliest known
facility

Date of application

Facility type

29-09-2003

OTLNFNCE - Other Term Loans/Financing

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The report contains information compiled from data sources which CTOS  does not control and which may not have been verified unless otherwise stated in this report. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.

2 of 4

ee378500ac (ABSKL CONSULTANT COMMON)

CM-2506-20230331142258

EE378500 (ABSKL CONSULTANT)

+60163491957

Report No.

Date

:
:

:

2023-03-31  14:22:58

:

:

Attention
Account

Tel

Strictly Confidential

CTOS SCORE REPORT

-

0%

Total outstanding balance (RM)

Total outstanding as % of total limit

0

Secured facilities

0.0

# of facilities

Average number of installments in arrears

1

Average number of installments in arrears

Total outstanding as % of total limit

# of facilities

Total outstanding balance (RM)

59%

11,960.00

0.0

Unsecured facilities

Credit Card

Average Utilisation Last 6 Months

0.00%

0.00%

Other Revolving
Credits

Average Utilisation Last 6 Months

Min Utilisation Last 12 Months (RM)

RM -

Charge Card

Max Utilisation Last 12 Months (RM)

RM -

PTPTN

0

Number of Accounts

1

Number of Accounts

Local Lenders

0

Number of Accounts

Foreign Lenders

C2: CCRIS SUPPLEMENTARY INFORMATION

Not Selected

C3: SISTEM POTONGAN GAJI ANGKASA (SPGA) INFORMATION

Matched Name

DHARULL NAIM BIN DRAMAN

Matched New IC No

811105146129

Matched Old IC No

-

Status

Aktif (A)

Remarks

-

Account ID / Reference

-

Salary No

92241NA4784

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.

ANGKASA MONTHLY DEDUCTION

No

Organization

Code

Type

Account Status

Begin

End

Deduction Amount

Total Amount

1.

KOPERASI

B0338

Aktif (A)

10.00

Yuran (0101)

05/2010

99/9999

5.00

Saham (0401)

05/2010

99/9999

5.00

Pinjaman Biasa/Faedah (4103)

05/2010

08/2012

634.44

2.

KOPERASI

D0222

Aktif (A)

1,021.16

Yuran (0101)

03/2013

99/9999

30.00

Pinjaman Biasa/Faedah (4101)

10/2012

09/2032

991.16

3.

KOPERASI

M0219

Aktif (A)

15.00

Yuran (0101)

01/2009

99/9999

10.00

Khairat Kematian (0601)

01/2009

99/9999

5.00

Pinjaman Biasa/Faedah (4111)

01/2009

09/2012

362.00

TOTAL DEDUCTION:

1,046.16

ANGKASA PENDING DEDUCTION

No Information Available

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The report contains information compiled from data sources which CTOS  does not control and which may not have been verified unless otherwise stated in this report. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.

3 of 4

ee378500ac (ABSKL CONSULTANT COMMON)

CM-2506-20230331142258

EE378500 (ABSKL CONSULTANT)

+60163491957

Report No.

Date

:
:

:

2023-03-31  14:22:58

:

:

Attention
Account

Tel

Strictly Confidential

CTOS SCORE REPORT

ANGKASA PAYMENT HISTORY

Code

Deduction Month

Feb 23

Jan 23

Dec 22

Nov 22

Oct 22

Sep 22

Aug 22

Jul 22

Jun 22

May 22

Apr 22

Mar 22

B0338

Date Process

Amount

27 Feb 23

19 Jan 23

29 Dec 22

21 Nov 22

21 Oct 22

27 Sep 22

28 Aug 22

26 Jul 22

28 Jun 22

26 May 22

27 Apr 22

29 Mar 22

10.00

10.00

10.00

10.00

10.00

10.00

10.00

10.00

10.00

10.00

10.00

10.00

D0222

Date Process

Amount

27 Feb 23

19 Jan 23

29 Dec 22

21 Nov 22

21 Oct 22

27 Sep 22

28 Aug 22

26 Jul 22

28 Jun 22

26 May 22

27 Apr 22

29 Mar 22

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

1,021.16

M0219

Date Process

Amount

27 Feb 23

19 Jan 23

29 Dec 22

21 Nov 22

21 Oct 22

27 Sep 22

28 Aug 22

26 Jul 22

28 Jun 22

26 May 22

27 Apr 22

29 Mar 22

15.00

15.00

15.00

15.00

15.00

15.00

15.00

15.00

15.00

15.00

15.00

15.00

D1: LEGAL CASES (SUBJECT AS DEFENDENT)

No Information Available

D2: LEGAL CASES (SUBJECT AS PLAINTIFF)

No Information Available

D3: AMLA (ANTI MONEY LAUNDERING ACT)

No Information Available

D4: LEGAL CASES (NON PERSONAL CAPACITY)

No Information Available

E1: ETR PLUS (NON-BANK PAYMENT HISTORY)

ETR Plus is non-bank payment information shared by third-party sources. It serves as additional information (other than banking payment history) to help in
your credit assessment.

Note: The following information is provided by third-party sources for your reference. Searched Subject will also include transaction(s) that are under
Guarantor capacity. CTOS does not guarantee the accuracy of the information as listed debts may have been settled since recorded.

No Information Available

E2: TRADE REFERENCE

No Information Available

HISTORICAL ENQUIRY

2023

Month

FI

Non-FI

Lawyer

Total

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0

0

0

0

0

0

0

0

1

0

0

1

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

2022

Month

FI

Non-FI

Lawyer

Total

Jan

Feb

Mar

Apr

May

Jun

Jul

Aug

Sep

Oct

Nov

Dec

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

0

1

0

1

1

0

0

1

0

0

0

0

0

0

0

0

- End of Report -

DISCLAIMER: This report may not be reproduced in whole or in part in any form or manner whatsoever. This report is provided to the client in strict confidence for use by the client as one factor in connection with
credit and other business decisions. The report contains information compiled from data sources which CTOS  does not control and which may not have been verified unless otherwise stated in this report. CTOS
therefore cannot accept responsibility for the accuracy, completeness or timeliness of the contents of the report. CTOS disclaims all liability for any loss or damage arising out of or in manner related to the
contents of this report. Consent from the individual is required before retrieval of the report.

4 of 4