STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
SPEKAR – (SPKC)
SECTION 1: SUMMARY
PARTICULARS OF THE SUBJECT PROVIDED BY YOU
Name Of Subj ect
amran bin alwi
IC / PP No
New IC No
710318-03-5139
Your Ref. No
INFORMATION IN OUR DATABANK
Name Of Subj ect
AMRAN BIN ALWI
IC / PP No
A1841547
New IC No
710318-03-5139
ADDRESS (S) IN ANGKASA, RAMCI & BANKING DATABANK
NOT E: T he address (s) stated below may not be the current or last known address of the subject
Address
Date Captured
Source
SEKOLAH MENENGAH KEBANGSAAN KEROH KUALA KRAI 18000 KUALA KRAI, KELANTAN.
-
ANGKASA
NO. 4A BATU 3 1/4, JALAN SULTAN YAHYA PETRA 15150 KOTA BHARU KELANTAN
20 Sep 2016
RAMCI
LOT 3234 RUMAH KEDAI BANGUNAN DEPAN UITM MACHANG MACHANG 18500 KELANTAN
20 Apr 2016
RAMCI
ENCIK AMRAN BIN ALWI 0 SEM MEN KEB KEROH 18000 KUALA KRAI, KELANTAN 18000 KUALA
KRAI
18 Apr 2016
RAMCI
4A BT 3 1/4 JLN SULTAN YAHYA PETRA 15150 KOTA BHARU KELANTAN
18 Apr 2016
RAMCI
0 SEM MEN KEB KEROH 18000 KUALA KRAI, KELANTAN 18000 KUALA KRAI
18 Apr 2016
RAMCI
LOT 3234 WISMA ABA, LOT 3234 WISMA ABA, MACHANG, KELANTAN
03 Dec 2010
BANKING
NO. 4A BATU 3 1/4, JALAN SULTAN YAHYA PETRA, KOTA BHARU, KOTA BHARU, KELANTAN
09 Apr 2016
BANKING
SUMMARY CREDIT INFORMATION
By Banking Info
By RAMCI
Credit Applic ations Approved for Last 12 months
0
Bankruptc y Rec ord
0
Credit Applic ations Pending
0
Legal Suits
0
Dishonored Cheque
0
Trade / Credit Referenc e
1
Spec ial Attention ac c ount
0
Total Enquiries for Last 12 months
0
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
Legal Ac tion taken (from Banking)
1
Total Companies/Businesses Interest
0
Existing No. of Fac ility (from Banking)
7
Total ANGKASA (BPA) Deduc tion
4
SHAREHOLDING INTEREST
NOT E: T he following information relating to shareholding/directorship interest by the Subject may not be current. T here may be changes which may not be currently available in our databank
NO INFORMATION AVAILABLE
PREVIOUS KNOWN COMPANIES / BUSINESSES
Note: T he following information relating to shareholding/directorship interest by the Subject is as available from our databank.
No
Registration No
Name
Incorporated Date
Status
Position
Cessation Date
1
562220 - D
HASRAT SEMARAK SDN. BHD.
22 Oc t 2001
RESIGNED
DIRECTOR
02 Dec 2010
SECTION 1A: SPGA DEDUCTION
ACCOUNT STATUS
Month of Deduction: Jan 2019
Name of Subj ect
AMRAN BIN ALWI
Status
Aktif (A)
Old IC / Police / Army
A1841547
Remarks
New IC No
710318035139
Account ID / Reference
Salary No
09795691
ANGKASA MONTHLY DEDUCTION
NOT E: T he 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
BP170
BANK
Type
Account
Status
BANK
BANK
BRT50
SYARIKAT
KEWANGAN
BR120
WL521
11/2028
493.00
03/2016
02/2023
493.00
Aktif (A)
464.00
09/2012
Aktif (A)
Total
Deduction
768.00
Aktif (A)
Pinjaman(6213)
4
Deduction
Amount
768.00
12/2010
Pinjaman(2020)
3
End
Aktif (A)
Pinjaman Biasa/Faedah
(4101)
2
Begin
08/2030
464.00
2,001.00
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 2 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
Pinjaman Biasa/Faedah
(4101)
09/2016
09/2028
2,001.00
TOTAL DEDUCTION 3,726.00
PENDING DEDUCTION
NO INFORMATION AVAILABLE
PAYMENT HISTORY
Code
Deduction Month
Dec 18
Nov 18
Oct 18
Sep 18
Aug 18
Jul 18
Jun 18
May 18
Apr 18
Mar 18
Feb 18
Jan 18
Date Process
20 Dec 18
23 Nov 18
30 Oct 18
26 Sep 18
23 Aug 18
23 Jul 18
28 Jun 18
26 May 18
26 Apr 18
21 Mar 18
23 Feb 18
24 Jan 18
Amount
768.00
768.00
768.00
768.00
768.00
768.00
768.00
768.00
768.00
768.00
768.00
768.00
Date Process
20 Dec 18
23 Nov 18
30 Oct 18
26 Sep 18
23 Aug 18
23 Jul 18
28 Jun 18
26 May 18
26 Apr 18
21 Mar 18
23 Feb 18
24 Jan 18
Amount
493.00
493.00
493.00
493.00
493.00
493.00
493.00
493.00
493.00
493.00
493.00
493.00
Date Process
20 Dec 18
23 Nov 18
30 Oct 18
26 Sep 18
23 Aug 18
23 Jul 18
28 Jun 18
26 May 18
26 Apr 18
21 Mar 18
23 Feb 18
24 Jan 18
Amount
464.00
464.00
464.00
464.00
464.00
464.00
464.00
464.00
464.00
464.00
464.00
464.00
Date Process
20 Dec 18
23 Nov 18
30 Oct 18
26 Sep 18
23 Aug 18
23 Jul 18
28 Jun 18
26 May 18
26 Apr 18
21 Mar 18
23 Feb 18
24 Jan 18
Amount
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
2001.00
BP170
BRT50
BR120
W L521
SECTION 2: BANKING CREDIT INFORMATION
Note: T he following information has been extracted from Bank Negara Malaysia. T he 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 customer service for assistance.
CCRIS ENTITY SELECTED BY YOU
Entity Name
AMRAN BIN ALWI
Entity ID No. 1
710318-03-5139
Entity ID No. 2
A1841547
CCRIS Entity Key
2484491
Subj ect Status
Warning Remark
NIL
KEY STATISTICS
Earliest Approv ed Facilites
(Facility T ype / Date Approved)
Latest 3 Approv ed Facilites
(Facility T ype / Date Approved)
CREDIT CARD
21-08-2002
OTHER TERM LOANS/FINANCING
28-01-2016
PERSONAL LOANS/FINANCING
24-05-2012
PERSONAL LOANS/FINANCING
25-07-2011
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 3 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
No. of Fac ilities
3
Total Outstanding Balanc e (RM)
457321
Total Outstanding Balanc e Against Total Limit
88.51%
Highest No. of Installments Arrears Last 12 months
3
No. of Fac ilities
5
Total Outstanding Balanc e (RM)
480781
Total Outstanding Balanc e Against Total Limit
77.25%
Highest No. of Installments Arrears Last 12 months
3
Credit Card
Average Utilisation Last 6 months
61.82%
Other Rev olv ing Credits
Average Utilisation Last 6 months
0%
Min Utilisation Last 12 months (RM)
NIL
Max Utilisation Last 12 months (RM)
NIL
National Higher Educational Financing
No. of Ac c ounts
0
Local Lenders
No. of Ac c ounts
6
Foreign Lenders
No. of Ac c ounts
1
Secured Facilities
Unsecured Facilities
Charge Card
SUM M ARY OF BANKING INFORM ATION
SUMMARY CREDIT REPORT
Total no. of Credit Applications
No. of Applications
Total Amount (RM)
A. Approv ed for past 12 months
0
0.00
B. Pending
0
0.00
SUMMARY OF POTENTIAL & CURRENT LIABILITIES
Outstanding (RM)
Total Limit (RM)
(Exclude FEC)
(Exclude FEC)
As Borrow er
747,524.00
860,671.00
Legal Action Taken
Y
Special Attention Account
N
FEC Limit (RM)
0.00
DISHONOURED CHEQUE INFORMATION (OWN BANK)
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 4 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
Account No
Issuance Date
Cheque No
Amount
Remark
NO INFORMATION AVAILABLE
DISHONOURED CHEQUE INFORMATION (COMMERCIAL BANK)
Bank
Account No
Issuance Date
Remark
NO INFORMATION AVAILABLE
DETAILED CREDIT REPORT (BANKING ACCOUNTS)
Aprv date
Lender
No. /
Sts Capacity
Type
R&R date
Facility
Total Outstanding
Balance (RM)
Date Balance
Updated
Limit /
Inst.Amt
(RM)
Prin
Repymt
Term
Col Type
Date
Legal
Status
Sts
Update
Conduct of Account for the last 12 months
2019
OUTSTANDING CREDIT
1
21/08/2002
OWN
F
CB
O
2
02/11/2004
5,000.00
CRDT CARD
JOINT
2,199.00
31/12/2018
CB
0.00
J
2018
D
N
O
S
A
J
J
M
A
M
0
0
0
0
0
0
0
3
2
1
2
2
2
2
3
3
3
2
2
2
2
2
2
2
1
2
2
2
1
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
CLEAN
MT H
11
01/08/2018
OT H
FIN.ASST S
278,403.00
OT H
FIN.ASST S
PROPERT IES
31/05/2010 O
3
17/08/2004
4
19/10/2010
5
24/05/2012
6
28/01/2016
OT LNFNCE
JOINT
CB
OWN
OT H
OWN
OT H
OWN
OT H
O
7
25/07/2011
244,481.00
31/12/2018
66,485.00
31/12/2018
46,088.00
31/12/2018
22,262.00
31/12/2018
CB
O
1,425.00
CLEAN
PROPERT IES
MT H
768.00
MT H
464.00
CLEAN
CLEAN
MT H
34,000.00
OT LNFNCE
OWN
MT H
53,000.00
PELNFNCE
O
2,069.00
86,000.00
PELNFNCE
O
31/12/2018
204,268.00
OT LNFNCE
O
190,578.00
403.00
MT H
MOT OR V
(JPJ)
0
0
MT H
CLEAN
0
0
200,000.00
PELNFNCE
175,431.00
TOTAL
OUTSTANDING 747,524.00
BALANCE:
31/12/2018
2,001.00
TOTAL
LIMIT:
860,671.00
0
CREDIT APPLICATION
No. Aprv date Sts Capacity
Lender
Type
Facility
Total Outstanding
Balance (RM)
Date Balance
Updated
Prin
Limit (RM) Repymt
Term
Col Type
Conduct of Account for the last 12 months
Date
Legal
Status
Sts
Update
Facility
Total Outstanding
Balance (RM)
Date Balance
Updated
Prin
Limit (RM) Repymt
Term
Col Type
Conduct of Account for the last 12 months
Date
Legal
Status
Sts
Update
NO RECORD ON FILE
SPECIAL ATTENTION ACCOUNT
No. Aprv date Sts Capacity
Lender
Type
REMARK LEGEND
FACILITY
OT LNFNCE - OT HER T ERM LOANS/FINANCING
STATUS
O - Outstanding
LEGAL STATUS
11 - Judgement order/Order of sale
PELNFNCE - PERSONAL LOANS/FINANCING
CRDT CARD - CREDIT CARD
SECTION 3: LITIGATION INFORMATION
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 5 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
LEGAL ACTION
Note: T he following information on legal / winding up / bankruptcy proceedings may not be current. T his Suit(s) may have been dismissed, withdrawn 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).
T he person or company listed as the litigant in the suit may have a similar name as the subject whom/which you seek information on. Whilst the Subject's IC number (if available) or Company Number (if
available) or other identification may indicate that the person named in the action is the Subject, we cannot determine or confirm that the litigant is in fact the subject on whom/which information is
sought. Please check with subject(s) concerned for confirmation.
LEGAL SUITS - SUBJECT AS DEFENDANT
Total: 0
NO INFORMATION AVAILABLE
LEGAL SUITS - SUBJECT AS PLAINTIFF
Total: 0
NO INFORMATION AVAILABLE
BANKRUPTCY ACTION
Note: T he following information on legal / winding up / bankruptcy proceedings may not be current. T his Suit(s) may have been dismissed, withdrawn 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).
T he person or company listed as the litigant in the suit may have a similar name as the subject whom/which you seek information on. Whilst the Subject's IC number (if available) or Company Number (if
available) or other identification may indicate that the person named in the action is the Subject, we cannot determine or confirm that the litigant is in fact the subject on whom/which information is
sought. Please check with subject(s) concerned for confirmation.
Total: 0
NO INFORMATION AVAILABLE
SECTION 4: TRADE BUREAU / OTHER CREDIT REFERENCE
TRADE BUREAU / CREDIT REFERENCE
NOT E: T he 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.
ACCOUNT PAYMENT PROFILE
This sec tion is available only for Payment Profile c ontributors. You c an c ontac t us at bureau@ramc i.c om.my to find out more details.
PAYMENT TREND (12 Months Period)
This sec tion is available only for Payment Profile c ontributors. You c an c ontac t us at bureau@ramc i.c om.my to find out more details.
NON-BANK LENDER CREDIT INFORMATION (NLCI)
NO INFORMATION AVAILABLE.
TRADE / CREDIT REFERENCE
Subj ect Name
AMRAN BIN ALWI
Subj ect ID
710318-03-5139 / A1841547
Creditor's Name
DIGI TELECOMMUNICATIONS SDN
BHD
Amount Due
261.92
Creditor's Contact
016-2211800
Aging Days
OVER 180 DAYS
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 6 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
Ref No
4000029328822
Debt Type
BILL
Industry
UTILITIES / TELCO
LOD/NOD/Status Date
03 JAN 2018
Solicitor's Name
Solicitor's Contact
Guarantor
NIL
LEGEND:
Remark
DEFAULTED / ACCOUNT
TERMINATED
LOD - Letter of Demand issued by a Lawyer (Legal Firm)
NOD - Notic e of Demand issued by internally (Company)
SECTION 5: ENQUIRIES
FINANCIAL RELATED SEARCH COUNT
(T he number of times that the Subject has been searched by Financial Institutions via Credit T rack)
Year
Total
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2019
0
0
0
0
0
0
0
0
0
0
0
0
0
2018
0
0
0
0
0
0
0
0
0
0
0
0
0
2017
2
0
0
0
0
0
1
0
0
0
0
1
0
COMMERCIAL RELATED SEARCH COUNT
(T he number of times that the Subject has been searched by Business Corporations via Credit T rack)
Year
Total
Jan
Feb
Mar
Apr
May
Jun
Jul
Aug
Sep
Oct
Nov
Dec
2019
0
0
0
0
0
0
0
0
0
0
0
0
0
2018
0
0
0
0
0
0
0
0
0
0
0
0
0
2017
1
0
0
0
0
0
0
0
0
0
0
1
0
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 7 of 8
STRICTLY CONFIDENTIAL
Order ID
: 127772603
CreditTrack by RAMCI
Order Date
: 2019-01-31 10:08:16
User Name
: MOHD HAMIZI BI...
LEGENDS:
SECTION 1: SUMMARY - SCORE INTERPRETATION
i-Score Scale, Probability of Default (PD) and Distribution based on Developm ent Sam ple
SECTION 2: BANKING CREDIT INFORMATION
Banking Inform ation Warning
From the system, the user may see CCRIS Warning Message with the meaning as per below:
1. Pending Verific ation - the profile forc e added by a user awaiting verific ation by NRD/ROC/ROB of the profile.
2. Rejec ted - the profile had been submitted to NRD for verific ation but it was rejec ted due to non-existenc e of rec ord in the NRD
database.
3. Dec eased - the profile had been submitted to NRD for verific ation but ac c ording to the NRD rec ords, the individual is already
"dec eased".
4. Wound-up - the c ompany had been reported as wound-up by ROC.
Secured Facility
Refer to loan whic h the borrower pledges some asset as c ollateral for the loan, whic h then bec omes a sec ured debt owed to the c reditor
who gives the loan.
Unsecured Facility
Refer to loan that is not protec ted by a guarantor, or c ollateralized by a lien on spec ific assets of the borrower.
Credit Card average utilization last 6 m onths
[(monthly c redit c ard total outstanding balanc e/ total limit) for last 6 months]*100
The ratio of c redit c ard utilized amount c ompared to your c redit limit for the last 6 months.
Other Revolving Credits average utilization last 6 m onths
[(monthly other revolving c redits fac ility total outstanding balanc e / total limit) for last 6 months]*100
The ratio of all other revolving loans outstanding amount c ompared to the total limit for the last 6 months. It inc ludes Overdraft, revolving
c redit fac ility, share margin financ ing fac ility, leasing rec eivables fac ility, other hire purc hase rec eivables fac ility.
Capacity
Refers to whether the loan is taken direc tly or indirec tly by the c ustomer
1. Own = the c redit fac ility is obtained by the borrower himself.
2. Joint = the c redit fac ility is obtained by the borrower himself one of the borrowers in a joint applic ation, eg. in a joint housing
loan.
3. Sole = the c redit fac ility is obtained by the sole proprietorship in whic h the borrower is the owner.
4. Partner = the c redit fac ility is obtained by the partnership in whic h the borrower is one of the partners.
5. Prof = the c redit fac ility is obtained by the professional body eg. (i.e. lawyers, doc tors, ac c ountants who are not registered with
ROB) in whic h the borrower is one of the partners.
For more legends, please refer to User Guide
-END OF REPORTSUBSCRIBER NAME: KOPERASI WAWASAN PEKERJA-PEKERJA BERSATU BERHAD
USER NAME: MOHD HAMIZI BIN DAGANG
ORDER DATE: 2019-01-31
ORDER TIME: 10:08:16
COMMERCIAL CONFIDENTIAL
RAM Credit Information Sdn Bhd (532271-T) is certified to ISO/IEC 27001:2013, Cert. No: ISM 00290
NOTICE: The information provided by RAM Credit Information Sdn Bhd (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 8 of 8