What is included in the Eligibility Analysis Package?

Our RM30 Eligibility Analysis Package includes: complete credit report analysis (CCRIS & CTOS), DSR calculation and assessment, loan approval chances evaluation, maximum loan limit estimation, issue identification with solutions, personalized bank recommendations, and full explanation with guidance. You receive a comprehensive report within 24 hours.

Do you guarantee loan approval?

No, we do not guarantee loan approval as the final decision rests with the banks. However, our analysis significantly improves your chances by identifying potential issues beforehand, recommending the right banks, and helping you present a stronger application. Our clients have an 85% success rate when following our recommendations.

What other services do you offer besides the Eligibility Analysis?

We offer several additional services: DSR Consultation (RM20) for focused debt ratio optimization, Loan Application Assistance (RM50) for full support from document preparation to bank liaison, and Credit Repair Consultation (RM40) for guidance on improving your credit score and resolving credit issues.

Can you help with all types of loans?

Yes, we can help with various loan types including home loans/mortgages, car loans/hire purchase, personal loans, business loans, and refinancing. Our analysis covers the criteria that banks use for all these loan types.

What is DSR and why is it important?

DSR (Debt Service Ratio) is the percentage of your monthly income that goes towards debt payments. Banks use DSR to assess your ability to repay loans. Most Malaysian banks require DSR below 60-70%. A lower DSR means higher borrowing capacity and better approval chances.

What is a good DSR percentage?

Generally: Below 30% is excellent (best rates available), 30-40% is good (most banks approve), 40-50% is moderate (some restrictions may apply), 50-60% is high (limited options), and above 60% is critical (most banks will reject). We recommend keeping DSR below 50% for optimal approval chances.

What is CCRIS and CTOS?

CCRIS (Central Credit Reference Information System) is maintained by Bank Negara Malaysia and contains your credit history with financial institutions. CTOS (Credit Tip-Off Service) is a private credit reporting agency that provides credit reports. Both are used by banks to assess your creditworthiness.

How can I improve my DSR?

You can improve your DSR by: paying off existing debts, increasing your income, avoiding new debt commitments, consolidating multiple loans into one, settling credit card balances, and negotiating lower interest rates on existing loans. Our DSR Consultation service provides personalized strategies.

What affects my credit score?

Your credit score is affected by: payment history (late payments, defaults), credit utilization (how much of your credit limit you use), length of credit history, types of credit accounts, recent credit applications, and outstanding debts. We analyze all these factors in our report.

How long does the analysis take?

Most analyses are completed within 24 hours after we receive your complete information. For complex cases or during peak periods, it may take up to 48 hours. We will notify you immediately once your report is ready.

Debt Consolidation Guide

Debt Consolidation Strategy for Malaysians

Combine credit cards and personal loans into one manageable payment with a clear DSR plan for Malaysia (Nationwide).

< 60%

Target DSR

3-7 yrs

Typical tenure

2-5 days

Review time

Cards + PL

Coverage

Consolidation Roadmap

List every debt

Capture balances, rates, and minimum payments for all cards and loans.

Calculate new instalment

Use a consolidation quote to ensure monthly savings and healthier DSR.

Close or freeze cards

Avoid re-accumulating balances while paying off the new facility.

Track repayment milestones

Set 3, 6, and 12 month checkpoints to see CCRIS improvements.

Documents Required

Latest 3-6 months statements for each debt

Payslips or income proof + bank statements

CCRIS report showing current facilities

Settlement letters (if applicable)

Avoid These Mistakes

Consolidating without cutting card usage

Stretching tenure too long without savings

Ignoring early settlement penalties

Leaving high-interest debts out of the plan

Useful Tools

Run scenarios before you commit.

DSR Calculator Eligibility Test Loan Comparison

Additional reading for better decisions.

Debt Consolidation Guide Improve Credit Score Fast Loan Rejection Reasons

Want a Consolidation Quote?

We compare consolidation packages and structure a repayment plan that lowers your monthly burden.

Start Debt Review Chat on WhatsApp

Debt Consolidation FAQ

Does consolidation reduce total interest?

It can if your new rate is lower and you avoid new card spending.

What debts can be consolidated?

Most plans cover credit cards and personal loans; check eligibility for hire purchase.

How long before CCRIS improves?

Expect improvements after 3-6 clean payment cycles once arrears are cleared.