What would you do if you needed to clear RM136,129.99 in debts to secure a new bank loan? Here’s one of our personal loan for blacklist case studies to show how we can help you:
Customer’s details:
Customer’s Basic Information
• Age: 42 years old
• Occupation: Doctor
• Monthly Income: RM12,000 (before EPF)
• Needs: RM50,000 for investment, hopes to clear debts and buy a house
Issues
❌ Low CTOS score
❌ High credit card usage (96%)
❌ Late payment records
❌ High Debt Service Ratio (DSR) of 77%
❌ Blacklisted in CTOS
Bluebricks’ Solutions
Initial CTOS Report
Initial CTOS Report
Improved CCRIS Report
Improved CCRIS Report
Results Obtained by the Customer
After implementing our plan, the doctor achieved the following:
✅Improved CTOS Records
✅Cleared All Credit Card Debts
✅Resolved Blacklist from 2019 to 2024
✅Restructured Personal Loan from 2020: RM127,075
✅Secured a New Loan, Cash in Hand: RM85,706.41
✅Reduced Monthly Burden: From RM7,169.95 to RM6,502.17
✅Increased Monthly Cash Flow: RM667.78
By following this plan, the client can expect to see significant improvements in their financial health and credit standing, allowing them to qualify for loans in the future if needed.
Diagram K1: Two personal loans obtained, as shown in CCRIS Item 1 and 3, a total of RM300,000, were for his sister’s education and, hence, very unlikely to get other Personal Loans.
Diagram K2:
Trade references lodged in CTOS were
• Koperasi Pendidikan usahawan
• Loan Amount: RM85,000
• Instalment: RM740
• Loan Purpose: Investment
• His previous job was as a Government Servant, and this loan was a monthly Auto Debit from his account.
• After leaving the Government sector, auto debit was disabled, and the client forgot to pay the loan.
• And he was lodged in CTOS for this trade reference.
• Now, he can’t get a new loan if he doesn’t fully settle this amount.
Diagram K3: His payslip
Diagram K4,5,6,7 is our holistic proposal with options for Mr K
The diagrams show our holistic proposal with options for Mr K
Diagram 8: CTOS showing that we helped him obtain a new loan of RM422,000
