Personal Credit Report PLUS (PCRP) Sample

- SAMPLE REPORT - STRICTLY CONFIDENTIAL
Personal Credit Report PLUS (PCRP) Report Date : 26 May 2016

PCRP No. : 1088559XX
PERSONAL INFORMATION
Name of Subject LAM XXXX MING
I/C No. (New) 7607XX-08-896X
I/C No. (Old) / Passport No. / Other ID A1234567
Address XX, JALAN PUTERI, TAMAN XXXX PUTERI, 47170 KUALA LUMPUR
Credit Score & Risk Grade

CREDIT SCORE i-SCORE Risk Grade
NOTE: The i-SCORE is a credit score, which is a numeric representation of an individuals credit worthiness, based on prevailing information available on the credit files at the time of scoring.
The majority of credit grantors use some sort of credit scoring model to help predict what kind of credit risk you may be. Other factors, such as your salary and length of employment, may also <360 1
be considered by credit grantors when you apply for a loan. As a risk assessment tool, i-SCORE does not provide any conclusive, evaluation or credit decisions for credit grantors.
361-420 2
i-SCORE 361
421-460 3
Risk Grade Higher WEAK FAIR GOOD STRONG Lower
461-540 4
Risk 1 3 4 5 6 7 8 9 10 Risk
2 541-580 5
Key Contributing Factors Time Since Most Recent Delinquency 581-620 6
(Why the Score is not Higher?) Legal History Trace
621-660 7
Boosting Your Credit Score 661-700 8
Your credit score change when new information is reported by your creditors. So your scores will improve over time when you manage your credit
responsibly. Here are some general ways to improve your credit score: 701-740 9
Pay your bills on time Apply for and open new credit accounts only when you need them >740 10
Do not have any overdue accounts or information such as Check your credit report regularly for accuracy
bankruptcy and legal action on your credit report If you have missed payments, get current and stay current
Keep balances low on credit cards Pay off debt rather than moving it between credit cards
Improving Your Credit Score Can Help You:

Lower your interest rates Reduce deposits required by Telcos, utilities, etc.
Speed up credit application approvals Get better offers for credit card, housing loan, car loan, mortgage, etc.
RAM Credit Information Sdn Bhd (532271-T)
NOTICE: The information provided by 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 o wn. 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: +603-2615 1100.
RESTRICTED Page 1 of 7
Report Date : 26 May 2016
BANKING CREDIT INFORMATION

Note: The following information has been extracted from Bank Negara Malaysia. The 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 Consumer Support Department for assistance.
Subject Status
Warning Remark NIL
No. Approval Status Capacity Lender Branch Facility Total Date Limit Principal Col. Instalment In Arrears for Last 12 Months Legal Date
Date Code O/S Balance (RM) Repayment Type 2016 2015 Status Status
Bal (RM) Updated Term Apr Mar Feb Jan Dec Nov Oct Sep Aug Jul Jun May Updated
CREDIT ACCOUNTS (Including Subjects own/ joint/ sole-proprietor/ partnership accounts)
1 06/08/2012 OWN OCBC 14028 50,000.00
O/S CREDIT CARD 23,090.00 30/06/2015 MONTHLY CLEAN 0 0 0 4 3 2 1 0 0 0 0 0 SUMMON 12/12/2015
2 27/02/2013 OWN UOB 14120 50,000.00
O/S PURCHASE OF 43,899.00 30/06/2015 MONTHLY MOTOR VEHICLES 0 0 0 0 0 0 0 1 0 0 0 0
PASSENGER CAR (REGISTERED WITH
JPJ)
3 18/05/2010 O/S OWN PTPTN 14001 32,000.00 87 86 85 84
NATIONAL HIGHER 22,021.25 30/04/2016 MONTHLY CLEAN
EDUCATION
FINANCING
SPECIAL ATTENTION ACCOUNT
1 03/04/2011 JOINT MBSB 13xx HOUSING 30/06/2015
LOANS/FINANCING
APPLICATION FOR CREDIT
1 17/02/2016 PENDING OWN OCBC 14xx 10,000.00
NOTES
Branch Code
xx BANK
14028 RHB Bank Berhad
12120 JALAN AMPANG (MAIN BRANCH)
O/S OUTSTANDING; COL - COLLATERAL

SHAREHOLDING / DIRECTORSHIPS AND BUSINESS INTERESTS

Note: The following information relating to shareholding/ directorship interest by the Subject may not be current. There may be changes which may not be currently available in RAMCI databank.
No. Company Name (Company No) Position Appointed Business Shareholding % Last Updated by RAMCI
Expiry Date
1. XXXX SDN BHD (5XX878-T) DIRECTOR / SHAREHOLDER 18-Mar-2013 - 185,000.00 45.60 2016-04-30
2. XXXX SDN BHD (123XX9-U) DIRECTOR 29-Nov-2006 - 250,000.00 50.00 2016-04-30
PREVIOUS KNOWN COMPANIES / BUSINESS

Note: The following information relating to shareholding/ directorship interest by the Subject may not be current. There may be changes which may not be currently available in RAMCI databank.
No. Company Name (Company No) Position Status Cessation Date
1. XXXX SDN BHD (8XX555-T) SHAREHOLDER Dissolved 2016-04-30
ANGKASA SPGA INFORMATION

Month of Deduction: Apr 2016
Name of Subject LAM XXXX MING Status Aktif (A)
I/C No. (Old) / Passport No. / Other ID A1234567 Remarks BERCUTI TANPA GAJI
New IC No. 7607XX-08-896X Account ID / Reference -
Salary No. 06809685


ANGKASA MONTHLY DEDUCTION

NOTE: The 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 Type Account Status Begin End Deduction Amount Total Deduction
1 BANK BRTXX Pinjaman(6014) Aktif (A) 11/2012 04/2032 845.00 845.00
Pinjaman(6014) 11/2012 04/2032 845.00
TOTAL DEDUCTION (RM) 845.00
PENDING DEDUCTION
No Organization Code Status Begin Deduction Amount (RM)
1 SYARIKAT ABC WLXXX IN TRANSIT 04/2016 657.00
2 XXX (M) SDN BHD YHXXX IN TRANSIT 04/2016 543.00
3 XXX BANK HTYXX IN TRANSIT 04/2016 789.00
PAYMENT HISTORY
Code Deduction Month Apr 16 Mar 16 Feb 16 Jan 16 Dec 15 Nov 15
Date Process 30 Apr 16 31 Mar 16 29 Feb 16 31 Jan 16 31 Dec 15 30 Nov 15
BRTXXX
Amount 845.00 845.00 845.00 845.00 845.00 845.00

LEGAL ACTION
Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g. 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).
Defendant Name LAM XXXX MING I/C No. (New) 7607XX-08-896X
Defendant Address 38-9, XXXX Height, Jalan Imbi, Taman Bukit Mas 2, I/C No. (Old) /Passport A1234567
46000 Petaling Jaya, Selangor. Solicitor XXXXX Wong & Dennis
Case No. XX-9982-2014 High Court Selangor Solicitor Address Level XX, Menara TH Perdana, No. XXXX,
Notice Date 28-XXX-2015 Jalan Sultan Ismail, 50250 Kuala Lumpur.
Notice Ref STAR 26-Aug-2015 Solicitor Tel 03-XXXX 5678
Plaintiff XXXX Sdn Bhd Solicitor Fax 03-9876 XXXX
Plaintiff Address XX, Plaza Emas, Persiaran Surian, XXXX Damansara, Solicitor Ref HAA/KL/L-GHY-XXXX
53800 Kuala Lumpur. Solicitor Email syh@XXX.com.my
Amount Claimed RM4,389.00 Case Status HEARING
Nature of Claim GOODS SOLD & DELIVERED Hearing Date XX Dec 2015
Suit Ref STAR 23 XXXX 2015

BANKRUPTCY ACTION
Note: The following information on legal/winding-up/bankruptcy proceedings may not be current. This suit(s) may have been dismissed, withdrawn or struck-off (e.g. 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).
Defendant Name LAM XXXX MING I/C No. (New) 7607XX-08-896X
Defendant Address 38-9, XXX Height, Jalan Imbi, I/C No. (Old) /Passport A1234567
Taman XXXX Perdana 2, 46000 Petaling Jaya,
Selangor. Solicitor XXXX & TAN
Case No. 29-XXXX-2014 Solicitor Address Suite 89-XX, Menara TUANKU, 10XX, Jalan Imbi,
Case No. High Court Selangor 50250 Kuala Lumpur.
Creditor Name XXX Bank Berhad Solicitor Tel 03-XXXX 5678
Adjudication Order Date XX Nov XX15 Solicitor Fax 03-9876 XXXX
Adjudication Order Ref XX Nov 2015 Solicitor Email XXX@stwXX.com.my
Discharge Date 20 Dec 2015
Discharge Ref OTHERS 23 Dec XXXX
TRADE BUREAU / CREDIT REFERENCE

Note: The 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.
Subject Name LAM XXXX MING Subject ID XX99-00-87/HU87656
Creditor Name XXXX Appliances Sdn Bhd Solicitor Name Jason & XX Co.
Industry RETAIL FINANCE Solicitor Address 67, XXX AHL, Jalan Tebrau,
Creditor Ref GY-XX64-KJ Taman XXXX, 32789 Kuala Lumpur.
Amount Due RM7,008.91 (AS AT 20 XXX 2015)
Aging Days > 120 days Solicitor Contact 03-XXXX 8899
Debt Type Loan Extended LOD/NOD Date LOD (XX-Mar-2016)

ENQUIRIES MADE ON YOU

Note: Enquiries made on you refer to search enquiries made by RAMCI subscribers which consists of banks businesses and companies, government and statutory bodies, clubs, cooperatives, commercial banks, financial institutions, trading and
commercial companies, employment agencies, professionals e.g. lawyers, accountants, property valuers etc. amongst others.
No. Enquirer Business Sector Date Search
1. FINANCE BANKING 2015-11-15
2. FINANCE BANKING 2016-01-27
-END OF REPORT-
RAMCI Internal Reference:
Date: 2016-05-26 Time: 10:22:46 User ID: MYC1


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Personal Credit Report PLUS (PCRP) Sample

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- SAMPLE REPORT - STRICTLY CONFIDENTIAL

Personal Credit Report PLUS (PCRP) Report Date : 26 May 2016

Credit Score & Risk Grade

Improving Your Credit Score Can Help You:

BANKING CREDIT INFORMATION

O/S OUTSTANDING; COL - COLLATERAL

SHAREHOLDING / DIRECTORSHIPS AND BUSINESS INTERESTS

PREVIOUS KNOWN COMPANIES / BUSINESS

ANGKASA SPGA INFORMATION

RAM Credit Information Sdn Bhd (532271-T)

Report Date : 26 May 2016

ANGKASA MONTHLY DEDUCTION

RAM Credit Information Sdn Bhd (532271-T)

RAM Credit Information Sdn Bhd (532271-T)

TRADE BUREAU / CREDIT REFERENCE

RAM Credit Information Sdn Bhd (532271-T)

ENQUIRIES MADE ON YOU

Date: 2016-05-26 Time: 10:22:46 User ID: MYC1

RAM Credit Information Sdn Bhd (532271-T)

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