Debt consolidation Plan

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ohsoon

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CeSaRiO said:
Maybe not bro. Anyway aside from last week, when was time last time you checked? I think the scores updates monthly...
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I check early of march and my score is GG.. then last week of March
Was FF and now CC. Maybe because I paid 45k across 5 banks.
 
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idoitboy

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Carlingford said:
Depends on which banks...Different bank uses different income assessment method..For BOC, my impression is that they take NOA / 12


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Thanks thanks. I just received the email trigger from Credi Bureau as such:

This monitor has been triggered due to "a credit enquiry" on your credit file.

Enquiry Date: 06/04/2017
Enquirer: BANK OF CHINA
Enquiry Type: New Application
Product Type: Debt Consolidation Loan
Account Type: Single

Well I guess all left is to pray
 
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ixotet

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melbourne10 said:
Yeah apply maybank, why not. Can try 2-3 banks at the same time, just hope they don't decide to approve on the same day.

My Citi was submitted after HSBC left me hanging for a few weeks. I got my Citi within 3 business days. Until today I have not received any call back from HSBC lol.
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I've submitted for MBB, 2 days ago and yesterday all documents sent for processing. What's the next bank I shd submit to? BOC?
 
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ixotet

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ohsoon said:
I just went to my CBS report and my report improve from FF to CC. 1 week different!! Since my rating is CC i immediately submit all my documents to Maybank

Finger cross. I with company only 1.5 months do u think they will reject me?
I also send them my appointment letter.
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The ratings refreshed so frequent? I though every 2 months? Some say 6 months, some say monthly.. confused.

So everytime you log in to check, you need to pay the fee?
 
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ixotet

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idoitboy said:
Thanks thanks. I just received the email trigger from Credi Bureau as such:

This monitor has been triggered due to "a credit enquiry" on your credit file.

Enquiry Date: 06/04/2017
Enquirer: BANK OF CHINA
Enquiry Type: New Application
Product Type: Debt Consolidation Loan
Account Type: Single

Well I guess all left is to pray
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So means, every time one bank make enquiries on your **, they will notify you by email? But we've alrdy submitted our ** report.
 
CeSaRiO

CeSaRiO

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ohsoon said:
Haha thanks.. Maybank just called me stated that because my
BTi only 14 times so they will drop my interest from 5.6 to 4.6%pa
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That's nice. I've yet to receive any news at the moment. No emails from ** side as well..
 
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Twilightzone

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Maybank don't want my business. LOL

Even when I ask for refund and close my cc account. The CSO sounds so bo chap. 😑
 
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Centralcoast

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Twilightzone said:
Maybank don't want my business. LOL

Even when I ask for refund and close my cc account. The CSO sounds so bo chap. 😑
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Becos they know u won't be getting any cc from them anytime soon ma. Lol

Wait till ur dti drop to 8x they will start calling u up liao
 
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