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July 2, 2016

How to Fix Your CCRIS Report

Would you lend ten thousand ringgit to a stranger? If you just balked, don’t worry, that’s normal because RM10,000 is a lot of money. And while we’re along the same line of thought, have you ever wondered how banks dare to loan out thousands or millions of ringgit to people they don’t know? They may not know you personally, but they know what matters to them: your ability to handle credit responsibly and on time, information that’s available to them through your CCRIS report.

What a CCRIS Report Contains

Your CCRIS Report contains three main arms of information: the amount of credit you have (the loans and/or credit cards you’ve taken out), [...]

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May 4, 2016

6 Reasons Why You Are In Debt

More often than not, we see red when we look at our bank account balance. If you are not managing your money well, you may be scratching your head as to how you ended up in this predicament.

It’s very disheartening to see red marks on our bank account balance, and it’s even worse if you’re scratching your head, wondering how and when it got to be there! Often it’s due to poor financial management, which luckily can be learned and habitualised. Firstly, though, you’ll need to pinpoint the reasons behind your current in-debt status. Here are six reasons why you’re in debt.

You Spend More Than You Earn

It is often as simple as that. One of the [...]

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April 29, 2016

5 Financial Lessons Every Young Adult Should Learn

Most schools do not teach money management. Survey shows that parents rather talk about the birds and bees than wealth management. So what are the best financial lessons and advice for young people just starting to make money? Here are five financial lessons that can literally change a young person’s life forever.

Work At Every Chance You Get

What other ways to get out of debt and save money, other than to work and get paid for it? So always keep a lookout for work opportunities you could be doing during your free time.

Image via Flickr

If you are good at certain subjects, you could be a tutor and even be a freelance writer or photographer for online [...]

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April 28, 2016

6 Super-Effective Boosts for Your Credit Rating

 

It is said that having no credit rating is worse than having a bad credit rating, and having a bad credit rating is, well, bad. A bad credit rating is why people have trouble trying to secure bank loans and other forms of credit. A good credit rating is more likely to get that loan application approved. One of the first things anyone should do when considering a loan is to get a copy of their credit report to see where they stand on the credit rating scale. In Malaysia, you can get your credit report from Bank Negara. If you need to fix your credit rating up fast, here are six moves you can try:

Get a Credit Card

Before you tackle this, make sure you can handle [...]

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