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.

Why audit before applying?

Because many declines come from problems the borrower could have seen earlier with a proper file review.

Is this only for weak files?

No. Even stronger borrowers benefit from cleaner route selection and document readiness.

What usually changes after an audit?

The amount, route, timing, or document pack often becomes more realistic.

Topic Guide

Credit File Audit Before Applying

A borrower checklist for reviewing credit-file quality before any serious loan submission.

Know file condition

Main goal

Read -> fix -> apply

Best sequence

Apply blind

Wrong habit

Combined review

Best tool

What a real pre-application audit includes

Repayment history review

Look at current and recent patterns, not only whether there is any issue at all.

Affordability map

Check whether obligations already compress borrowing headroom before you choose a route.

Document readiness check

A decent file still fails when the documents are weak or inconsistent.

Route selection

Decide whether your next step is bank, consolidation, cleanup, or waiting.

Audit inputs

CCRIS / CTOS

Income proof

Debt list

Recent inquiry pattern

What blind applications miss

Hidden DSR pressure

Weak supporting proof

Recent unresolved issues

Wrong product route

Useful next reads

Review methodology Editorial policy Eligibility test

Need a more precise review?

We review file quality, affordability, and route fit so the next step is more realistic before any formal submission.

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