{"id":990,"date":"2019-10-09T14:29:20","date_gmt":"2019-10-09T06:29:20","guid":{"rendered":"https:\/\/ctoscredit.com.my\/creditfinder\/?page_id=990"},"modified":"2019-12-16T10:38:34","modified_gmt":"2019-12-16T02:38:34","slug":"faq","status":"publish","type":"page","link":"https:\/\/ctoscredit.com.my\/creditfinder\/faq\/","title":{"rendered":"Frequently Asked Question"},"content":{"rendered":"\n

Do you share my details with third parties when using the comparison services?<\/strong><\/p>\n\n\n\n

When you start your search, we use the information you provide us along with your credit information in CTOS\u2019s database to calculate your eligibility against products such as credit cards and personal loans. For some products, we may share your personal data directly with the lender. This enables them to verify your details and estimate your eligibility for their products.<\/p>\n\n\n\n

Do CTOS Credit Finder services show me every product on the market?<\/strong><\/p>\n\n\n\n

We act impartially and independently. Although we show products from lots of different companies, we don’t cover the whole market, which means other products may be available to you. <\/p>\n\n\n\n

Can I still apply for credit if I have a poor CTOS Score?<\/strong><\/p>\n\n\n\n

You can still apply for credit with a poor CTOS Score, but your chances of being accepted are lower than if your score is good. <\/p>\n\n\n\n

Remember that each time you apply for credit, this activity will be captured in your credit report. Each application may also lower your credit score, and multiple applications may be interpreted as you\u2019re desperate for credit. The lower your score, the lower your chances of your credit applications being approved. <\/p>\n\n\n\n

Can I be refused credit even if I have a good CTOS Score?<\/strong><\/p>\n\n\n\n

The better your CTOS Score the more likely you are to be accepted for credit, but there’s no guarantee you’ll always be accepted. Every lender\/partner has its own criteria and may want more information before offering you credit.<\/p>\n\n\n\n

Why was I refused credit where I was eligible on CTOS CreditFinder?<\/strong><\/p>\n\n\n\n

If you apply for eligible offer from a lender\/partner you’ll usually be successful, but it’s not guaranteed as the lender\/partner always has the final say. <\/p>\n\n\n\n

Your pre-approved\napplication may be rejected if you:<\/p>\n\n\n\n

\u2022 Didn’t complete your application straight away and your credit score or circumstances have changed in the meantime<\/p>\n\n\n\n

\u2022 Didn’t apply for the credit via CTOS CreditFinder<\/p>\n\n\n\n

\u2022 Applied using different information from what you entered on CTOS CreditFinder<\/p>\n\n\n\n

\u2022 Didn’t pass the lender\/partner internal identification, verification and fraud checks<\/p>\n\n\n\n

\u2022 Applied for several credit offers within a short period of time<\/p>\n\n\n\n

\u2022 Already have another credit facility with the lender\/partner<\/p>\n\n\n\n

How do I know how much interest I\u2019d be paying on a credit card or loan?<\/strong><\/p>\n\n\n\n

To understand how much\ninterest you’d pay on a credit card or loan, look out for the interest rates\nlaid out below each product listing. Remember, these are only summary\ndescriptions so you should always check your card or loan terms to understand\nthe actual rates they charge and the conditions that apply.<\/p>\n","protected":false},"excerpt":{"rendered":"

Do you share my details with third parties when using the comparison services? When you start your search, we use the information you provide us along with your credit information in CTOS\u2019s database to calculate your eligibility against products such as credit cards and personal loans. 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